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Good Luck If You're Uninsured
The Ithaca Health Alliance runs a free clinic in Ithaca, NY to care for those whom the health insurance system has left behind. Politicians have promised universal health care for generations, but more Americans than ever before remain un-or-underinsured and in constant fear for their health. Millions of the uninsured are young college grads like Justine and her boyfriend Brian, who are caught off guard when a serious illness strikes and feel trapped when insurance won't cover her "pre-existing condition." The Ithaca Health Alliance runs a free clinic in Ithaca, NY to care for those whom the health insurance system has left behind. Politi... more
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It's not only Allstate. This egregious strategy permeates the entire insuranc...
Who thinks exposing this Allstate model of claims adjusting is confined to just auto losses?
Just because this system was documented by an attorney who worked with Allstate auto and bodily injury claims doesn't mean its intent and implementation is not copied and used elsewhere by a majority of companies across all their lines.
Read how cleverly they use an entire indoctrination process and try so carefully to write it in a way that could be denied as being harmful or unfair.
However with the verbal instructions and hype that accompanies the insurance industry's effort to expose fraud and waste, they make their claims people and the public think that it is the rule rather than the exception.
There is no doubt in my mind that a similar internal plan mirroring this one in auto claims was what caused the Twodee thread about similar tactics. While that insurer may not have actually taken the life of her sister, they certainly made her fight against cancer a terrible ordeal. The insurer slowed down or completely denied proven treatments that could have saved her much grief and possibly her very life.
All of you who read this and know the tactics they use - please help by linking your own pods and threads that keep repeating what Americans deserve - a single payer system where profit does not dictate care.
The Iraq War alone, could have paid for a good start on a well-thought-out single payer system that was fair to all Americans. Who thinks exposing this Allstate model of claims adjusting is confined to just auto losses? ... more -
Insured can't get help either
My beautiful sister, a 43 year old mom with two small children has been denied potential life saving care because of her insurance, NOT because she doesn't have it and hasn't been paying thru the nose for years.
She has been fighting breast cancer for 7 years. We need to get her to a facility that specializes in late stage cancer and that has an integrative approach as we have exhausted all that is available in CT. Her insurance co. has been completely un co-operative - they have stalled getting proper documentation to the hospital - they offered to MAIL it within 7 to 10 days - like they don't have a fax or a computer. They said this every time we needed any document. After we chased documents for two weeks, they did fax what we needed - a one page confirmation of benefits came as a 110 page fax, causing yet another delay.
The insurance company's actions have been unconscionable. Her current hospital has overmedicated her, put in the wrong size port and when another hospital recognized the error and she was infected, they refused to remove it because they were not the ones who put it in. Her current hospital ended up putting a new port in because they said "it would make it easier for the nurses" to administer medicine. There are many stories - my main concern is to get her to a facility that can treat her illness and with some dignity.
In the end, 3 weeks later, when time is very critical, the hospital we need to get her to has now refused her insurance. It is from a major insurance company. Well, we don't like them either but what choice do we have?? None. Once you are diagnosed, you can't change insurance companies. No one will take you. I am wondering- is this what they call the "free market?" I have not been able to speak to anyone to appeal this decision or to even negotiate it. It seems insurance companies dictate whether you can receive treatment, where you can go to get it, how quickly or not they will respond to your requests for benefits - all based on their bottom line, not the patient, the person who has been PAYING them to TAKE CARE OF THEM WHEN THEY ARE SICK!
This believe me is the short version.
What do we do?? My beautiful sister, a 43 year old mom with two small children has been denied potential life saving care because of her insurance, NO... more
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