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And if an industry, as a whole, makes the process so confusing and difficult to follow half or more of customers' claims get denied it's the customers fault for not understanding it.
Credit card companies are doing the same thing. What used to be a two page contract any high school kid could understand has become a thirty page, fine print, bunch of legalese most people can't comprehend. Oh, they comprehend the gist of it once they're 5 days late once and get hit with a $50 late fee and an 15% interest increase.
People are pissed off at these industries for a reason. They treat many of their clients the same way con men treat a mark. And until recently they had little to worry about. Most people have few options when it comes to their HI, they take whatever their employer is offering. If a public option was actually available a lot of this crap would dry up and blow away.
In a way this is kind of like the reason used car salesman became a punchline... because they were a joke.[/QUOTE]
When you sign up for insurance the application is around 5 pages long. You fill out basic info like name, birthday, ssn, dependant info etc. Then there is a page(or more if needed) for previous medical history. Underwriters review your application and charge you a premium accordingly. If you have a pre-ex that will generally be excluded. I never said if a claim is denied it is YOUR fault. Like I said, hospitals have to process hundreds of claims each day, when dealing with so many codes and so many patients sometimes they get screwed up. It's not your fault, it's not the insurance companies fault. But if a claim comes in and it's incorrect what are they supposed to do?
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