Quote:
Originally Posted by ASU2003
I did read it, so what if I want something changed? There is nothing I can do unless I complain to my HR dept, and they work on it next year. But that is a long shot.
And paying $1000 with my company vs. $4000 by going on my own, yeah that's not happening. That is why the public option or the health insurance exchange looked good, since I could team up with other people outside of my company.
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THE GOVN"T WON'T LET YOU CHANGE IT not the insurance company. If your employer paid health insurnace is being pre-taxed(section 125 regulated by the IRS) which almost every single business now participates in the IRS won't let you make any changes except for a qualifying event(marriage, divorce, birth of child etc.) until open enrollment time. It has nothing to do with insurance companies.
---------- Post added at 04:57 PM ---------- Previous post was at 04:54 PM ----------
Quote:
Originally Posted by ASU2003
I did read it, so what if I want something changed? There is nothing I can do unless I complain to my HR dept, and they work on it next year. But that is a long shot.
And paying $1000 with my company vs. $4000 by going on my own, yeah that's not happening. That is why the public option or the health insurance exchange looked good, since I could team up with other people outside of my company.
---------- Post added at 04:52 PM ---------- Previous post was at 04:50 PM ----------
And stop using the car insurance thing. I have been covered since I was born, yet I know if I got really sick, they would try and reduce my benefits (or show me the fine print where it was excluded), say the paperwork wasn't filled out right, say that procedure wasn't pre-approved, or whatever else to reduce the amount they have to pay out.
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I'm using car insurance because it operates the same way but nobody is up in arms over it. Insurance companies can not currently deny you coverage just because you get sick, they never have been able to nor will they be able to, as long as you had no gap in coverage. And if you didn't fill out the paperwork right you can't expect to be paid. If something is covered they are obligated by law to pay out the covered expense provided the claim is filed