[quote=ratbastid;2686455]The worst part is, you can't even get a god damn refund. You've been paying your premiums faithfully like a good little customer, they come along and say, "Oooh, sorry, no, there was something wrong with your application. We're taking back that we ever issued you a policy, but... yeaaah, we'll be... we'll be keeping your payments to date. Okay, so, yeah. Thanks."
If you receive a cancellation notice dated today 8/11/09 stating that your policy was cancelled effective 6/1/09 and you have paid premiums for all of june july and part of August, The insurance company is REQUIRED by law to refund your premiums, or they are subject to loose their status to sell policies in that particular state enforced by the state department of insurance. Also if you have insurance through work, they can not cancell your policy...YOU can't even cancell your own policy if you are using pre-tax dollars to pay your premiums under the "IRS section 125 plan" better know as a "cafeteria"plan unless you have a qualifying family status change(marriage, divorce, kid,etc).
---------- Post added at 09:50 PM ---------- Previous post was at 09:48 PM ----------
Let the bastards die on the vine.
Thanks
---------- Post added at 09:54 PM ---------- Previous post was at 09:50 PM ----------
Quote:
Originally Posted by dippin
I am amazed by this little game of yours. In the other thread, when people mentioned comprehensive, national level data, you sidestepped it. In this thread, when people use their own personal experiences, you dismiss as it as exceptional circumstances. What would it take to convince you that there is something majorly wrong in the American healthcare system? Because it seems no matter how comprehensive the evidence you find some way of dismissing it.
As for personal experiences and such, my uncle was a psychiatrist in a suburb of Baltimore for some 30 years. You will not find a single person more staunchly in favor of single payer healthcare.
The arrangement insurance companies had with his hospital was something that would make most people really pissed off: they got X amount for population covered in their area per year. If they kept their costs under X, they turned a profit, if it came out over X, they had to cover the difference themselves.
That (and other stories like that) are the reasons why I think tort reform is a major threat to people. Insurance companies really put a lot of pressure on doctors to reduce costs and tests, and the only thing that pushes against that is the threat of legal action.
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I'm not playing any games. I'm trying to convey how things work in the insurance industry. What national data did I side step exactly?
The other thread is a pub discussion so there was no data. I have stated countless times that I agree that things need fixed in the healthcare industry, but I'm also stating my opinion aboloshing Insurance companies(my job) is not desireable for me thats all
---------- Post added at 09:58 PM ---------- Previous post was at 09:54 PM ----------
Quote:
Originally Posted by Derwood
allowing the simple problem to be fixed and resubmitted would be a start
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I agree. One thing people should know is that if you are having any problems with your claims or insurance company in general go to your HR director. They will get in touch with the Broker who has the case. It is in the Brokers interest to get all legitimate claims paid, so he will get the repeat business. I promise He will do everything in his power to assist you.