LogFAQs > #925446903

Corrik7 posted...

I don't submit anything. I just pay my copay of $10 or $20 and go about me business. They send me a letter usually later showing me how much they paid.

I mean, I never had a huge operation if that's what you are asking. A colonoscopy and a stress test and some other tests are about as far as it goes.

Only time I have heard about insurance personally giving someone problems was with my cousin when she was pregnant with twins and they needed to do a surgery to possibly save their lives. The insurance tried to argue it wasn't a necessary surgery, which would mean she would have lost 1 or both babies. They eventually relented after a bunch of nasty phone calls. Which ended up saving both the babies lives.

You have yet to actually have to use your insurance. Any check up or test they have a incentive to pay for to help prevent a larger illness that will cost them money. Once you get one of those is when you have to fight tooth and nail for every doctor visit, procedure and medication that you are suppose to get but always have to prove it was necessary. It is just crazy how you could need a procedure done, multiple doctors agree that it needs to be done, it's covered under your insurance and they will still fight you saying it wasn't mandatory if only for the hope you give in and pay for it yourself to same them money.

Again, most people have no problems with their health insurance until something happens where they have to use it and realize how insane it is.
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Yawn