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#59953 - 10/10/04 05:15 AM
"Health" Insurance
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Member
Registered: 10/09/04
Posts: 83
Loc: Maryland
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I hate CIGNA HealthCare.
We are insured through my husband's job. And, we pay premiums every stinking month to the tune of about $4000 per year for family coverage.
So ... I think that CIGNA has a lot of nerve, when they send us a letter asking for "additional information so they can process our claim". They want to know if we have any other health insurance. No! We do not have other health insurance and, furthermore, what business is it of theirs anyway? We're paying premiums and they should pay the benefits! Aarrrrgh! It really ticks me off.
In February, I responded to a similar letter and told them to keep the information in their records so that I wouldn't have to waste my time, envelopes, and stamps responding to their stupid letters. But, of course, I get another letter whenever one of our providers files a claim.
I never had this problem when we were insured by Big Blue. Those were the good old days.
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#59955 - 10/10/04 04:13 PM
Re: "Health" Insurance
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Member
Registered: 01/01/04
Posts: 678
Loc: Tazewell County, VA, USA
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Yeah. insurance. BLAH!
AARP has prescription insurance for $20 a year, also life insurance but I'm having trouble finding health insurance...affordable, that is.
Chatty may very well have something on the group Boomer insurance. Lord knows there's need, past need, for such an animal.
It's tough as nails to find health insurance IF one doesn't want to sell their lives/souls to a cubical for 30+ years.
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#59957 - 10/11/04 05:36 PM
Re: "Health" Insurance
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Member
Registered: 10/09/04
Posts: 83
Loc: Maryland
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I'm not sure that I want universal health insurance because there are some minuses to that system, but I don't believe that medical insurance should be tied to a person's job. It originated as a perk to attract people to companies, but it's time for a change.
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#59959 - 10/13/04 01:50 AM
Re: "Health" Insurance
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Member
Registered: 09/24/04
Posts: 17
Loc: Pasadena, Texas
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I've had Cigna, know how you feel!As of mid November, we will join the uninsured, losing our coverage through COBRA. Glad I had my heart cath this month.
We will likely have to get a high deductable policy to use in case of emergency, Our daughter is still on Texas Childrens Ins.
Since both hubby and I have chronic conditions, I don't know how we'll get health care, I guess use the "plastic policy", credit cards, to pay.
When I look at Countries that have government healthcare, I don't think that its the answer, after all, those that have money often come to the U.S.A. for their treatment.
Keep praying for our Gov't to find a solution that works.
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#59960 - 10/14/04 08:32 PM
Re: "Health" Insurance
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Member
Registered: 11/20/02
Posts: 317
Loc: Towson
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Have you ever seen the movie Rainmaker. It's about an insurance company who had a policy of rejecting every claim the first time it was submitted. They figured people would give up and go away. I learned recently that many insurance companies actually do this. they bury you in paper and many people just give up....it saves the insurance companies billions, yes billions a year.
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#59961 - 11/04/04 04:39 PM
Re: "Health" Insurance
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Member
Registered: 10/09/04
Posts: 83
Loc: Maryland
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No question that insurance companies do everything that they can to avoid paying on a claim. After all, they are in the business to make money, not to pay it out.
I know that I've let "small claims" go unchallenged just because I don't want to spend my life on the phone arguing the validity of a claim. I pick the battles I'm willing to fight.
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#59962 - 11/04/04 11:11 PM
Re: "Health" Insurance
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Member
Registered: 10/09/04
Posts: 83
Loc: Maryland
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The company where my husband works only contracts with CIGNA so unless we want to get insurance on our own (let's see, we pay about $6K per year for group insurance ... do you think we might have to pay more outside of group?!?!?!) --- we're stuck. :-)
I don't like CIGNA but I'm glad that we're lucky have some insurance.
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