California Individual Health Insurance Gap What Is

Not only is have enough moneyable health insurance tough to come across, save for additionally trustworthy corporations as at any rate. Ever since Richard Nixon thought that HMOs were a right thing for Americans, hard-working folks have had to make slews of phone cthe whole things and send angry letters.

If you have insurance, whether its Blue Cross, Aetna, or some other large provider, youve probably received hostile group letters savours doctors in the mail inquiring when you (or your insurance company who are always on time deducting your pay) are going to shell out the cash you owe them.

It discuss withms that insurance companies battle to circumvent payment whenever possible. This maximizes profits. One way they accomplish this is the dreadful category for your illness: The Pre-existing Condition.

When my five-year-old daughter started to develop a cough we took her in to see the doctor. The doctor said that she was developing bronchitis, a relatively common condition that is easily remedied with antibiotics. The doctor also noted that we caught it pretty early so there shouldnt troth any complications with getting rid of it quickly. Just entire the antibiotics and she would be fine.

The doctor was right. We gave our daughter the antibiotics and there werent any interests at all. Except for with the insurance company.

We received a letter from the doctors place of work a few weeks afterwards asking for their money. We encourageed the office and said that we paid our co-pay when we visited the office and didnt realize what money they were talking about.

Apparently, the insurer denied our claim. The doctors office said that we have to get in touch with our insurance and discuss it with them.

When we called the insurer, they told us that they had denied our claim given that 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 precise 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 think my daughter has had this cough since she was three.”

“Im sorry sir, Ill have to transfer your call.”

After being bandied about the phone lines and talking to several different people of numerous countrysidealities, we were no closer to solving our problem.

As it turned out, they would not change their position and we were forced to pay the bill ourselves.

Sadly, this is going on 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 in its place 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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