OhIsee.Then
DP Veteran
- Joined
- Feb 14, 2011
- Messages
- 1,581
- Reaction score
- 277
- Location
- MI and AZ
- Gender
- Male
- Political Leaning
- Other
Just 2 of several experiences with the current system:
1) To cover our family I needed to continue my retiree insurance and my wife had to pick up insurance at her work for the whole family; therefore, I was covered by two companies. Bad plan, but the only way to insure our son. I fell and hit my head. 11 staples, CT scan etc. Both claimed that the other insurance was primary. Neither was covered by state law in the state we were in. Both claimed that the other agreed that it was primary. I started keeping a record of the calls. I spent more than 40 hours getting the insurance companies to pay. Payment was so late that it was miss-recorded at one provider and they sold the account to a collection agency.
2) My son ended up in the ER and they attempted to take x-rays, i.e. they were ordered, but the equipment didn’t work and he was transported to another ER where the x-rays were done. The first ER billed for the x-rays that were not done. We could not correct the billing with the ER, no process at the hospital for that. So we informed our insurance that the x-ray billing was an error and to straighten it out with the ER. The insurance company simply didn’t pay, made no calls, took no action. Several months later the billing started from a collection company. Now, a decade later we owe thousands.
I’ve got more to report.
1) To cover our family I needed to continue my retiree insurance and my wife had to pick up insurance at her work for the whole family; therefore, I was covered by two companies. Bad plan, but the only way to insure our son. I fell and hit my head. 11 staples, CT scan etc. Both claimed that the other insurance was primary. Neither was covered by state law in the state we were in. Both claimed that the other agreed that it was primary. I started keeping a record of the calls. I spent more than 40 hours getting the insurance companies to pay. Payment was so late that it was miss-recorded at one provider and they sold the account to a collection agency.
2) My son ended up in the ER and they attempted to take x-rays, i.e. they were ordered, but the equipment didn’t work and he was transported to another ER where the x-rays were done. The first ER billed for the x-rays that were not done. We could not correct the billing with the ER, no process at the hospital for that. So we informed our insurance that the x-ray billing was an error and to straighten it out with the ER. The insurance company simply didn’t pay, made no calls, took no action. Several months later the billing started from a collection company. Now, a decade later we owe thousands.
I’ve got more to report.