Health Insurance Woes May 28, 2009
Filed under: Mommy Musings — kindermusikkids @ 3:30 pm Edit This
Tags: foibles of health insurance, health care, health insurance, healthnet, lack of, quality insurance
The tone of this blog is generally that of information and articles of interest for families. I tend not to veer from the purpose of this blog which is to educate local families, however, begging your pardon, I must take a definitive stand on the health care system and go off topic.
I have always been honest about my life experiences and appreciate the support fellow readers have provided. Recently our family has been dealing with some emotional issues and therefore we have sought counseling. I am sharing this intensely personal information because this morning we were told that although the Doctor has written a letter attesting to the fact that we need continual therapy, our health insurance is denying us! Why? Apparently, after one has used their allotted number of visits (with co-pay, of course) one cannot purchase a rider to the policy to receive unlimited visits except at the renewal date. This absurd ruling would be workable would it not be for the fact that we just renewed our policy. Essentially, we now have to wait almost a year before we can apply.
Ironically, the cost of the rider is mimimal and if the company was willing to do “the paperwork” we could continue our visits as always. This issue is the straw that broke the camels back. When we recognized that the time allotment was nearing an end, we prudently telephoned the company. Armed with our dilligent papers including the letter from the Doctor, we or shall I say “I” sat on hold for countless hours only to be told that the company will only speak with the agent regarding policy changes.
Which brings us to this morning when I received this incredulous news. So incensed was I, that I’m sorry to say my poor broker was the recipient of my anger. He had plead on our behalf to the medical director to no avail.
So, my friends I ask you- is it unreasonable to think that a company that claims “we are here 24 hours a day 7 days a week” should be able to make a minor adjustment to a policy for someone who is clearly in need of the very services their claiming to provide? It’s not like I am requesting an upgrade for a tangible item. This is a health issue and it is quite clear a necessary and vital one. I shudder to think if this same policy applies to illness. Thankfully, I have not needed that help as of yet. What to do? As they say you can’t fight city hall….or can you?
Meanwhile we are in search of another provider and who knows maybe better rates? Will keep you posted.