I just got through speaking to someone who works for a health care insurance provider.
One of the biggest problems is the whole denial of coverage after a claim has been submitted.
The issue is that when an application for insurance is submitted to a provider, they pretty much put the application through and start the policy.
Then, should you become ill, IT'S AT THAT POINT THAT THEY REVIEW YOUR APPLICATIONS AND HISTORY FORMS SUBMITTED TO PHYSICIANS.
So in other words, THEY DON'T WANT TO KNOW ABOUT PRE-EXISTING CONDITIONS AT THE TIME YOU SIGN UP TO PAY YOUR MONTHLY POLICY. Because that would prohibit them from taking your money!!!
What this means is they want to take your money, then if and when you submit a claim, then they'll review your file.
THIS IS WRONG AND PART OF THE REASON WE NEED HEALTH CARE REFORM NOW.
Someone deserves the right to know if their application for insurance is being denied at the time they apply for it. At least this way, the applicant can go to provider "B" to try and get insurance, or if there is something they forgot to disclose, they will have the opportunity to do so with provider "B".
Now that we as a people are studying the situation, it's stuff like this and more that is shedding light on just how unethical and borderline criminal the health care providers are.
THEY MAKE MONEY ON KEEPING YOU SICK, NOT ON MAKING YOU BETTER!!
