Quote:
Originally Posted by rahl
Insurance companies don't decide not to cover someone based on a "death panel". If a procedure or condition isn't covered it is stated clearly in the policy that is issued.
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I can't speak about death panels because, well that just sounds like BS to me. But I call BS on "If a procedure or condition isn't covered it is stated clearly in the policy that is issued." I had the same procedure 10 or 11 times on my spine, nerve block, in an attempt to repair nerve damage in my leg. This was clearly covered in my policy. My insurance, Cigna, covered the first, kick back the second without reason, paid for the four and fifth and then paid for, I think, the eighth. Now these procedures weren't questionable, three doctors told me this was the correct course of action. The insurance folks used excuses like incorrect coding, non preapproval etc... All of that was Bull Shit. They fought tooth and nail not to pay for the ones they rejected. I had to hire an attorney to get them to pay. I was lucky. I had the cash to hire legal help, lots of folks don't.
So to think that "insurance companies don't decide not to cover someone" that it's all in the policy, it's cut and dry. No they try to get out of every out pay they can. I had one lady at the insurance company literally tell me they'd been told to reject X number of claims and that their pay was increased (by bonus) if they successfully rejected a certain number of claims.
These health insurance companies that are spending major cash lobbying and getting this "Astroturf" movement moving are doing so out of fear they'll lose the option of bilking billions out of their policy holders. They want no part of a public option because they know to complete with it they'll have stop feeding at the trough.