What Are Some Problems With Healthcare And Insurance With Your Health
Not only is affordable health insurance sturdy to come across, although in addition trustworthy companies as well. Ever since Richard Nixon thought that HMOs were a good thing for Americans, hard-working folks have had to make slews of phone calls and send unfulfilled letters.
If you have insurance, whether its Blue Cross, Aetna, or some other life-size provider, youve probably got hold of jeopardizing array letters from physicians in the mail marveling on every occasion you (or your insurance company who are always on time deducting your pay) are going to shell out the cash you owe them.
It sit down withms that insurance companies battle to avoid payment whenever that you can imagine. This maximizes profits. One way they accomplish this is the dreadful category for your illness: The Pre-existing Condition.
When my five-year-old female child started to develop a cough we took her in to see the doctor. The doctor said that she was developing bronchitis, a relatively all-purpose condition that is easily remedied with antibiotics. The doctor also noted that we fixed it beautiful early so there shouldnt be any pains with getting rid of it quickly. Just consummate the antibiotics and she would be excellent.
The doctor was right. We gave our daughter the antibiotics and there werent any problems at all. Except for with the insurance company.
We received a letter from the doctors office a few weeks after asking for their money. We called the office and said that we paid our co-pay when we visited the office and didnt know what money they were talking about.
Apparently, the insurer denied our claim. The doctors office said that we have to get in unite with our insurance and discuss it with them.
When we called the insurer, they well-advised us that they had denied our claim for of a pre-existing condition.
“A pre-existing condition?” I asked.
“Yes. Thats what it says here.”
I should note here that we have had this exact insurance for nearly two years.
“Excuse me, but how can bronchitis be a pre-existing condition? Weve been with the company over two years and I dont consider my daughter has had this cough since she was three.”
“Im repentant sir, Ill have to transfer your call.”
After someone bandied about the phone stanzas and talking to several countless people of various realmalities, we were no closer to solving our problem.
As it turned out, they would not move their position and we were forced to pay the bill ourselves.
Sadly, this is happening to thousands of hard-working wage workers across the nation. If we had the money to hire a lawyer, we would have.
But, thats what made us easy targets for higher profit margins. We couldnt afford a lawyer. If we could, we would have a medical expense account instead of an HMO.
So, be wary. If your claim is denied, dont be afraid to call and find out why. Sometimes, a company will save money by denying every claim until you call and complain.
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Filed under: Health Insurance
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