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The Scrutinizer

Private "for Profit" Insurance Companies

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WHAT A NIGHTMARE!

 

I just spent the last couple of months flat on my back in a hospital room and at home. So what does my insurance company decide to do when I am in no condition to fight back?

 

You guessed it!

 

They tried the old "pre-existing condition" scam. Even though routine physicals and checkups never even hinted at my condition, the insurance company insisted that I had somehow lied to them. This is a nightmare I would not wish on my worst enemy.

 

Luckily, the only thing insurance companies fear more than Obamacare is a well informed shark of a lawyer. Things have not been entirely settled, but at least now I don't have to worry about outrageous hospital bills.

 

My point in all of this is "for profit" insurance companies are simply out to make a profit. When you get sick, the first thing they do is look for any way possible to deny your claim. These people are proffesional scumbags. Your health does not matter to them. Only profit matters, and when you make a claim it eats into that profit.

 

This is not meant to be an endorsement of Obamacare or a denunciation of private insurance companies. I don't think I am telling any of you anything you don't already know. I just urge everyone out there to read and FULLY understand their insurance policies. I thought I fully understood all of the terms and conditions in my policy, but my lawyer pointed out a few things that I missed. If there are things you don't understand, ASK QUESTIONS! Don't get stuck like I did.

 

Be ready when they try this shit on you.

Edited by The Scrutinizer

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It's not just private healthcare. All insurance works like this. Back in the late 90s, an ice storm brought a massive tree down on top of my parents' house, crushing the main beam and ruining two bedrooms, a bathroom, the kitchen, the dining room, and the den. The house had been valued at over half a million dollars, and because of the ice storm, the house had suffered flooding damage thanks to the gigantic hole in the roof. The insurance agent showed up and tried to cut a check for $30k. Now, we had the best coverage money could buy, which stipulated full replacement on any and all losses. Not just value, REPLACEMENT, and they tried to cut a check for an amount that ended up being less than a fifth of the final costs to rebuild the house. And just to recover that much required us not just getting our lawyer involved constantly throughout the whole process, but hiring a building contractor to come every day and watch what the insurance company's chosen contractor did, so that they wouldn't cut corners. (They tried to cut corners on everything, even paint, and were stopped every time because of my mother being an incorrigible packrat who had kept samples of every paint, every tile, every carpet, every EVERYTHING ever used in the house.)

 

End result? We still missed a few corners they cut, and so full replacement value wasn't obtained, but at a cost to us of about $10k, we recovered about $120k more than they were willing to reimburse us. And we're a wealthy upper-middle class family with a family/business lawyer who will answer our calls at two in the morning. I hate to even think of the nightmare people at the lower end of the income spectrum must go through.

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I'm sure I've heard of cases where people have been knocked unconscious, hospitalized and treated, then had their claims invalidated because they had not signed a 'pre-treatment' form.

 

things like this, are big reasons why socialised medicine is the way to go IMO

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I'm sure I've heard of cases where people have been knocked unconscious, hospitalized and treated, then had their claims invalidated because they had not signed a 'pre-treatment' form.

 

things like this, are big reasons why socialised medicine is the way to go IMO

 

One of my 'favourites' was when I was hospitalized for a day because I'd gotten so sick I needed an IV and a few other things (couldn't keep down water, and had become dangerously dehydrated as a result) and was so out of it I forgot to present -both- of my medical cards. This shouldn't have been an issue, but the hospital waited over a month to send a bill to the one insurance carrier they did have on record, and by the time I was informed that the carrier was only covering part of it, it was too late to submit to the other carrier, which had a limit on how long you could wait. I had both cards on my person the whole time, but couldn't even remember having checked into the hospital because I was delirious at the time, and at no point before, during, or after being released from the hospital did anyone bother to come check that all my information was correct. (It wasn't correct, I had somehow given them a wrong telephone number, and they somehow spelled my name wrong, even though it's spelled correctly on every form of ID I carry, including my medical cards.)

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