Quote:
Originally Posted by ASU2003
I have no choice in who my employer picks. And why would they limit what is covered except to scam people into paying for something expecting it to work when they need it?
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You do have the choice of to pick your own individual policy. And the insurance company isn't scamming anybody. You know exactly what is covered at the time of application. You even get an explanation of benefits mailed home to you. It's not the insurance companies fault if you didn't read it.
As to why they limit coverage, As with all insurances(I'll use auto for an example) If you have a nice new car that you crashed into a firehydrant, but didn't have insurance at the time, how can you expect an insurance company to pay for the damage that was caused before you were covered with them. You can't, same is true with health insurance right now. Now if you want to have them pay for something that is pre-existing then you are going to have to live with the increased premium that the company will need in order to have the money in reserves for claims.