We need more transparency in health insurance policies. They have become similar to the home warranty scams-they are too many pages of complex exclusions that no human can keep track of. Similar to home warranties, the best providers have left being part of these plans so you end up paying for a policy that is so manipulated that the majority of issues are excluded but you don’t know until after the fact because you can’t get an accurate cost up front. Then insurance companies mis process so many claims that sick patients who even attempt to make following up on claims a full time job can’t keep up with rectifying them all. Ultimately, many give up, bills are sent to collection and people lose their homes or are bankrupted.
Technology that creates transparency in policy terms, billing and payments needs to be required for hospitals and insurance companies to implement