Comments on: Snakes and Insurance Companies http://realitology.com/business/snakes-and-insurance-companies/ "The Study of Reality" Wed, 07 Oct 2009 18:09:50 +0000 hourly 1 http://wordpress.org/?v=3.1.1 By: Jethrohttp://realitology.com/business/snakes-and-insurance-companies/#comment-229 Jethro Wed, 19 Mar 2008 00:45:36 +0000 http://realitology.com/healthcare/snakes-and-insurance-companies/#comment-229 The whole healthcare industry is a racket. I signed up for a HDLP individual plan awhile back. I didn't know about all the corruption in the healthcare industry at the time until I read about people getting their policies cancelled when they got sick due to post claims underwriting. This allows them to collect your monthly premiums but then if you get badly injured or cancer they can cancel your coverage if they find something in your medical records you didn't disclose when you signed up leaving you to foot the bill and leaving you basically uninsurable. It's hard to remember back 10 years ago what you may have went to the dr. for. Individual policies are a gamble at best. Group policies are the way to go and they can't cancel your policy and don't have the shear number of denied claims the individual policy holders get. So even though I have insurance I really am not confident about it . There was a case here in California about a woman that had cancer and they cancelled her covererage half way through treatment because she lied about her weight.She was just recently was awarded a large settlement but I don't think that will deter the insurance companies from continuing that practice. Then you have the ridiculously inflated prices for medical procedures which you have absolutely no idea what they cost ahead of time. I used up my $2500 deductible last year in no time with one procedure which did little to help diagnose me.That's the last time I rely on the web to estimate what the cost will be.They billed about $6500.00 for it and the estimates on the websites were from $ 800 - $2500. The insurance did knock it down to about $3K. I then called the hospital about the CT scan I had to get precertified to see what it cost and was told $8000.00.But she told me that was not what my insurance would pay but if for some reason the insurance denied my claim that's what they would be coming after me for.I then asked her what the insurance company would pay but she would not divulge that info. So now I will see if I can find a cheaper test in case my insurance doesn't want to pay. I will say they have been very nice on the telephone and have dealt with their minor share of the claims so far . Its funny how when I had full comprehensive coverage through my last employer and didn't pay a penny I took it for granted. The whole healthcare industry is a racket. I
signed up for a HDLP individual plan awhile back.
I didn’t know about all the corruption in the healthcare industry at the time until I read about people getting their policies cancelled when they got sick due to post claims underwriting. This
allows them to collect your monthly premiums but
then if you get badly injured or cancer they can cancel your coverage if they find something in
your medical records you didn’t disclose when you
signed up leaving you to foot the bill and leaving you basically uninsurable. It’s hard to remember back
10 years ago what you may have went to the dr. for. Individual policies are a gamble at best.
Group policies are the way to go and they
can’t cancel your policy and don’t have
the shear number of denied claims the individual
policy holders get.

So even though I have insurance I really am not
confident about it . There was a case here in California about a woman that had cancer and they
cancelled her covererage half way through treatment because she lied about her weight.She was just recently was awarded a large settlement but I don’t think that will deter the insurance companies from continuing that practice.

Then you have the ridiculously inflated prices
for medical procedures which you have absolutely no idea what they cost ahead of time. I used up my
$2500 deductible last year in no time with one procedure which did little to help diagnose me.That’s the last time I rely on the web to estimate what the cost will be.They billed about $6500.00 for it and the estimates on the websites were from $ 800 – $2500. The insurance did knock it down to about $3K.
I then called the hospital about the CT scan I had to get precertified to see what it cost and was told $8000.00.But she told me that was not what my insurance would pay but if for some reason the insurance denied my claim that’s what they would be coming after me for.I then asked her what
the insurance company would pay but she would
not divulge that info. So now I will see if I can find a cheaper test in case my insurance doesn’t want to pay. I will say they have been very nice on the telephone and have dealt with their minor share of the claims so far . Its funny how when I had full comprehensive coverage through my last employer and didn’t pay a penny I took it for granted.

]]> By: Realitologyhttp://realitology.com/business/snakes-and-insurance-companies/#comment-80 Realitology Thu, 02 Aug 2007 18:49:05 +0000 http://realitology.com/healthcare/snakes-and-insurance-companies/#comment-80 It's a sad, sad situation. It’s a sad, sad situation.

]]> By: fairlanehttp://realitology.com/business/snakes-and-insurance-companies/#comment-55 fairlane Wed, 25 Jul 2007 23:09:59 +0000 http://realitology.com/healthcare/snakes-and-insurance-companies/#comment-55 I'm still getting threats on a weekly basis from those fuckers even though I'm paying them every month.We need Universal Coverage. Most Americans support it, and it's complete bullshit we don't have it.Did you know that Iraqis injured in our "War" get free Medical Coverage, and guess who pays?Yep. I’m still getting threats on a weekly basis from those fuckers even though I’m paying them every month.

We need Universal Coverage. Most Americans support it, and it’s complete bullshit we don’t have it.

Did you know that Iraqis injured in our “War” get free Medical Coverage, and guess who pays?

Yep.

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