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Originally Posted by dellinger63
From the other side, I think many who have health insurance treat it like they would a smorgasbord restaurant as in they paid to get in so will eat 2 dinners, salad, pie, desert, juice, pop and desert again and insured patients including Medicaid patients get test after test seeing specialist after specialist when if they had to pay at least a part of each procedure they may opt to wait or even not have. In Obama speak a deductable as you go if you will.
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Right now, if you have insurance through any of the major carriers, THEY (the insurance companies) declares what tests they will cover for what medical conditions.
If you have health insurance now, you sure don't have a "smorgasbord" of choices that you and your doctor make for testing, treatment - you take what you are given by the insurance company, if you want your insurance company to pay for it.
Here's why we need insurance reform with consumer protections: your insurance company can drop you any time they want, for anything they want. Read your contracts. Welcome to reality.
It happened to me last year, after my insurance company pre-approved paying for hospitalization and an orthopedic procedure.
Five months later (it took them that long to delay paying the hospital and doctor, and to find something remote 25 years back in my medical history - which I had declared upfront when I got the policy -to cancel my policy upon) they retroactively cancelled my policy.
Well, I had a choice: they would not pay for the operation as they said they would, and as they signed off they would to the hospital and doctor (and I had to sign a waiver releasing them from their promise to pay) - and the second choice, the blackmail for not agreeing they wouldn't have to pay was complete retroactive cancellation of my policy from the date of inception years ago, and I would also have to pay them back for everything they had every paid out on me.
The above is legal and happens all the time. I currently have a lawyer discussing it with them. The Kentucky Insurance Commission cannot do anything to protect the consumer, as there is no law for this.
That is another thing "health care reform" will do - provide consumer protections from the above.
I'm furious at Bush for never doing anything about this (after Clinton couldn't get it done) - Bush said he would do something during his first campaign.
Now is the time. It needs to be done.