Insurance companies have too much power and control over my health
Limit there ability to refuse treatment, test or medications that our doctors see necessary for our health
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How so?
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I work with insurance and they deny claims based on their inside Drs overriding your Drs treatment plan. Blue cross blue shield has hired outside auditors to go back on claims paid to providers and recoup money by the thousands on claims they paid as far back as two years ago forcing the provider to send back the money and the patient now has a 2000 dollar debt out of the blue . Me personally I have always had dental insurance never used it I am 56 years old had dental insurance my whole adult working life…I broke a front tooth had to go get a bridge which should have been covered and united healthcare denied it all because they did not approve how my dentist did it. We pay for insurance to cover cost not the insurance provides opinion. The need to have clear cut policies with all their exclusions limited. Also it’s time to renew our policies at work and it took a major jump to where I don’t even think this should be legal when they have not been paying claims. I would like to have an actual Govt oversight on the federal level of insurance companies and not at the state level who does nothing … there is so much broken with health insurance it borderlines illegal. What premiums you pay the year before if you don’t make a claim should be partially applied to your next year’s premium this lowering your cost. Same with auto and homeowners it should not cost me more for a product I do not use but have to have.
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My personal experience recently… My doctor just recommended I get early screening for colon cancer due to an incredibly strong history on both sides of my family. Insurance only covers screening starting at 45 (I’m 43) even though colon cancer is rising amongst younger populations. I’d be on the hook for the entire cost because unfortunately I have a fairly high deductible just so I can afford my monthly premium. So I’ll be waiting two more years and crossing my fingers! Mind you, I go to the doctor once a year and pay a lot more into the insurance company than I could ever get back barring any emergency situation.
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I totally agree with this post, united healthcare is treating my 81 year old mom like a number,you got doctors that sit in an office and decide who gets treatment and what test and they never see the person they are denying,yet they make a fortune.
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So then the purpose of your insurance is to cover emergency situations.
Right, I do pay $500 a month for an emergency-only coverage plan. Lol You have no idea what you’re talking about. If you don’t like the idea of sharing ways to improve our systems in this country, then go troll on another forum. This one’s for the grownups, kiddo.
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