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Louve00 -> RE: Who likes their health plan (4/17/2010 5:40:16 AM)
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quote:
ORIGINAL: tazzygirl
Im going with the notion that those who have yet had to navigate the world of insurance companies feel their coverage is adequate and needs no correction. Those who have know better.
This!!
Speaking from experience, when my husband and I were both completely healthy, we had no reason to think of our insurance and thought it was fine. When he was diagnosed with cancer, slowly, as tests came, treatments came and surgery came, the insurance company was a complete bitch to work with. Some tests were covered, some were not. Some tests were deemed to be unnecessary by insurance, while Dr's felt they were. Insurance had no qualms denying him of the care he needed. It was just then we realized our insurance sucked!!! It was also then we had to refinance our home to help pay for tests insurance wouldn't cover.
What angered me to no end was I faithfully paid my insurance premiums. Catastrophic coverage. Then had to fight for coverage and my husband's life. He was scared, I was scared for him, and angry too. It's not til you really, truly, absolutely need it that you find out just what you're up against with insurance companies.
Thats not to say I don't realize people on medicare, medicaid, and VA aren't having problems, too. I think health care that starts getting expensive leads to ways to cut expenses. I think when your health care is demanding more expensive treatment, no matter what branch of coverage you have, you're heading for an eye-opening experience.
My best advice to anyone is, you can't avoid whats to come, but you can keep yourself as healthy as you can in the meantime and hopefully you'll be strong enough to endure if something does happen.
**Editted to add....As far as liking our insurance today, my husbands on medicare now and hates it. He has to jump thru hoops for very test the Dr's order (and he has to take some major tests every 6 months til he's declared a survivor of his cancer). My daughter and I are on Fla states health insurance program (United Healthcare). Her and I are basically healthy beings, so no hassles for us yet. But I know what I would expect if something were to happen!
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