DesideriScuri
Posts: 12225
Joined: 1/18/2012 Status: offline
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quote:
ORIGINAL: DomKen quote:
ORIGINAL: DesideriScuri quote:
ORIGINAL: DomKen Really? Can you tell me, without digging out your plan, what exactly is and isn't covered? Or does your plan simply require preapproval of all procedures? What if the no blood transfusions wasn't even in the plan? What if it was just the HMO's policy as a JW business itself and was just always denied when the preapproval call was made? Do you not see how problematic this could get? My plan covers everything at 100%. So, you're complaining that things might be difficult? Well, FFS, why didn't you just come out and say that?!? Apparently, people are too stupid to be responsible enough to know what is and what isn't covered. They shouldn't be bothered with understanding their plans, options, and responsibilities, either. As far as the insurance company not covering blood transfusions because they are a JW organization, that would be something that should come up in negotiations, shouldn't it? I guess we can't let a company negotiate it's own insurance options, either, now, huh? Really? Your plan has no exclusions? Are you really sure about that? (no plan I've ever seen did so and I used to help choose plans for a software firm that wanted to provide the best policy possible.) You might want to reread the policy small print. They all exclude "experimental" treatments and most also include wording that says they don't cover procedures not considered standard care or the like. !00% sure. I don't care what you've been part of before. Your not seeing a plan does not mean it doesn't exist. quote:
Why would the JW insurance company be required to explain it's preapproval policies? No law requires such. Luckily the ACA says insurance now has to provide a certain core set of things including blood transfusions and contraception. But still the company simply provides health insurance. What the employee does with said insurance is no concern of the employer. Otherwise the employer is infringing on the employees rights to privacy, association and religion (at least). Trying to get the government to place the employers "right" over the employees actual rights is absurd. If the company is paying for the insurance, then it's covering transfusions means that they are paying for transfusions, doesn't it? Now, if there is zero difference in premium amount and the company isn't self-insured, then covering or not covering transfusions is moot.
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What I support: - A Conservative interpretation of the US Constitution
- Personal Responsibility
- Help for the truly needy
- Limited Government
- Consumption Tax (non-profit charities and food exempt)
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