I will just list A FEW of my frustrations with insurance companies...
If a doctor has prescribed a certain medicine an insurance company should not be able to tell you that the medicine is not on the prescription drug approved list (formulary list). When a doctors asks for a certain treatment or test they should not be able to decide it is not medically necessary, a doctor did ask for it to be done.
** Why are previous doctor visit & check-ups a consideration for insurance coverage denial?
I recently had to switch insurance companies and there was an issue with previous doctor visits and check ups I had. I have not had any serious illnesses, broken bones, or on-going care. I do need to go to the doctor, but I’m sacred to do so because then the next time I have to change insurance companies (which will inevitably happen) I may be denied. If I am denied then I will be without coverage for more than 62 days (per HIPAA laws) and then will not be able to get health insurance at all, unless through a company.
** How is health insurance a legal binding contract?
It is my understanding that Insurance coverage is obtained through a contract. If I don’t pay a bill then my coverage will be canceled, but when the insurance company takes too much money out of my bank account, their system won’t allow them to put the money back in to the account. How is this legal? How can my insurance plan state that an item is covered but may be subject to review of coverage? If they state that an item is covered and then deny my coverage of that item when I have tried to use it, then do I get part of my premium back because they decided to change their minds and not cover that item? No.
… I could go on and on, but I will just end with …
7 comments:
Amen sister...bring on the revolution!!! There just seems something so un-Christian about a health care system that leaves so many people for themselves. Even better, a system that leaves the weakest, loneliest, and poorest to find their own way. And for what, to ensure people make money?! Pretty sick stuff, I mean come on, would Jesus honestly support the current health care system in the United States?! Hate to be a downer but Consecration is not the same as Capitalism! Great thought Nicole, this is Nicole, right?
holy macaroni nicole. Do you kwno what song i just heard? Don't say you by M2M ... don't say your hearts in a hurry it's not like were gonna get married give me, give me some time!
LOL it came on and I just about died.
Well said Nicole, when I became pregnant with Leah, our Insurance doubled because they no longer considered me to be in good health! go figure that one!
Seriously enough said, but then again you have heard my opinion on this subject over and over and over again.
The national health care system needs a complete overhaul, or should I say a good colon cleanse, but I don't think that's covered on our current plan.
Totally agree. We Pay $500 a month for our own health insurance plan since we are self-enmployed, but yet when i take the kids to the doctors i still am paying the bills, because they deny pretty much everthing. oh that didn't qualify for this, etc.... its a pain. Also every year our plan goes up $60 a month, even if we don't go to the doctor. their was one year not a sigle one of us had to go to the doctor and yet our plan went up $75.00 a month. no claims but yet the price still increased. and when i called them, they said thats just the way it is. doesn't matter if you use it or not. if they don't like the way a doctor billed them, they don't pay for it. its a battle...and yet we are insured by the nations number one health insurance company. makes me wonder how bad the rest of them can be.
Sarah
Sarah ~
Another thing that made me go crazy is that the state of Nevada just recently let one health insurance company buy out a couple other health insurance companies and now they own 90% of health insurance companies here in Nevada. How is this not a Monopoly? Other states should be scared, because Nevada has now set a precedent for all other state's health insurance companies.
~ Nicole
It is Crazy, once they are a monopoly, they can set prices high and standards as low as they want too.
Sarah
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