Stupid Insurance

[sbp]

We have son four month ago and I forgot to add his name in my insurance and now they says you can't do it until next year, BS.

I understand ok till now but now that I know he should be in my insurance. **** I amd paying large premimum and now on top of that we have to pay all that bill that will deny for him as well.

Should I reject my Citizanship and become Illigal that way I don't have to pay anything. Hmmmm I guess not, in end it will be my fault so I will start cutting my entertainment expense.

[Killeenguy]

looks like they aren't giving you many options there...some customer care they have!
but i hope things work out for you some how

[AlexMorse]

Health insurance companies are the #1 evil in america IMO. They pull **** like this and worse on a daily basis with thousands upon thousands of people.

[Roadrnr]

Originally Posted by AlexMorse

Health insurance companies are the #1 evil in america IMO. They pull **** like this and worse on a daily basis with thousands upon thousands of people.

It's a business just like all the other businesses in America. They have thier rules and regs that they go by.

I surprised that you don't have the oil companies tied @ #1, they have soaring profits this year.

I hate to hear people complain about insurance and about the price of it. I swear, I've never heard anyone complain when the lost everything and an insurance company hands them a check.

[AlexMorse]

Originally Posted by Roadrnr

It's a business just like all the other businesses in America. They have thier rules and regs that they go by.

I surprised that you don't have the oil companies tied @ #1, they have soaring profits this year.

I hate to hear people complain about insurance and about the price of it. I swear, I've never heard anyone complain when the lost everything and an insurance company hands them a check.

I have no problem with profit, Insurance companies just do absolutely everything to get out of paying a claim, and many of them are outright fraudulent. Not all of them. I'm pretty happy with Aetna, though they will still do everything in their power to avoid paying a claim, however legitimate it may be, they will eventually pay it.

I know initially it got this way because of people abusing insurance, and now it's come full circle as it allows crappy insurance companies to abuse people. In 2004 we paid about $8000 in medical bills because our insurance company wouldn't process or pay for legitimate claims we were covered for. We spoke to a couple lawyers, they agreed we were right, but it would cost as much or more to fight it and we would likely not win.

Needless to say we're with Aetna now, and it's much better. It still leaves a bad taste in my mouth, Aetna has the same policy mentioned in the original post. Some policies, however inconvenient, I understand. This is not one of them. If you can pay for the additional coverage, why on earth can they not make it effective immediately? They're going to dispute the first claim as an existing condition anyway, it's policy. 2 Months and reams of paperwork later they'll cover it and all will be normal.

Oil is cheap. I get what I pay for. With insurance, I pay out the nose and have to spend hours if not weeks to get what I've already paid for.

[NathanJK]

Originally Posted by Roadrnr

I surprised that you don't have the oil companies tied @ #1, they have soaring profits this year.

I hate to hear people complain about insurance and about the price of it. I swear, I've never heard anyone complain when the lost everything and an insurance company hands them a check.

In my world, HEALTH insurance and oil companies ARE tied for #1, they are both pure evil. I dont have any real problem with other forms of insurance, but our health care system is seriously messed up with the health insurance companies only making it worse.

[sbp]

I talk to few people in HR and looks like no luck. I will start counting how much extra I need. oh well I guess no more camara stuff for year or so.

But that kind of sucks because they know that my wife is pregnante why can they add son when oh I can have many many reason but they are not going to add it period. BS. does not make any sense.

[pippin]

ya know, think of it from their perspective. how do they know if :

a) your child was adopted out
b) for some reason your child died (ie still born, or other natural causes).

If they were to assume that you kept the child (which you obviously did), and every woman/family out there kept theirs, the insurance policies would be messed up - ESPECIALLY if there was adoption involved.

Just like when you get married. Its considered a life changing event, at that time you CAN add the spouse onto the policy or if you have a change of employment. Check your policy - I bet there's a window in which you can notify them of a life change.

You're at fault for this - for assuming they'd do it in the first place.

And believe me, socialized healthcare SUCKS.

[TxKent]

My bet is that it's not the insurance company rules - it's your employer who only gives you a specific window of opportunity to make changes to your coverage. That's how the state does it. I think you have 30 days from birth to add a newborn, or you have to wait until July for open enrollment.

[NoLight]

Yep Kent I work for the big hospital In Lubbock same way one month or open enrollment!!!

[pippin]

ditto here for my work too

[Clayton Wallace]

In my world, HEALTH insurance and oil companies ARE tied for #1

What about health insurance companies that cover employees of Exxon? :)