Do you think that Medical Insurance Companies play God?
January 29, 2009 - My younger sister and I work for the same Fortune 500 Company. We have the same medical insurance partially subsidized by our employer. Our share is taken from our pay check bi ...
- They don't play God. They are not here to save people's lives, they are here to do business. Though they portray themelves otherwise, its marketing - a way to drive business north.
- Don't rely only on 1 company ... http://www.insurance-assurance.com/
It would seem like they are trying to play God, but they are actually trying to minimize expenses. It's only because the nature of their business involves insuring the health care of people that we end up feeling like they think they are God. ... ... Unfortunately, the only way to minimize expenses is to regulate procedures and testing. In order to try to do that, they have to require preauthorizations and negotiate fees with certain facilities and providers. In the case of MRIs, they are expensive tests and usually the insurance company wants you to have a less expensive xray first. ... ... Your insurance company can't just refuse to pay a claim if all the required procedures were followed. But they can refuse the claim if they weren't. ... ... I've had more than a few battles with insurance companies over claims and procedures. I handled the health insurance plan at work for several years. Some advise I can offer is for you to take the invoice for the MRI to the person that handles the health insurance in your HR department at work and complain. Most times they can get it worked out with the insurance company for payment when you can't. ... ... To avoid problems in the future, make sure that you have the okay from the insurance company prior to any tests. Most doctors offices will check with your insurance before setting up the tests, but more and more of them are considering it your responsiblity to do this nowadays. If your doctor suggests a test or procedure, ask him if your insurance will cover it. Many times they will have their staff find out for you before you leave the office.
Knowledge Base: Health Insurance
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