I meant to say debt, not dept. Anyway I purchased the insurance, had heart attack no problem, ten days later had another heart attack. I received letter from insurance company telling me that I no longer have insurance through them, asked why, no response, received hospital bill from both heart attacks with tests and surgery to put three stents in. Had third heart attack in May, another stent, received hospitall bill five hundred sixty eight thousand and eighty five cents is what I now owe to the hospital. My understanding of ACA is that they were not suppose to drop patients for preexisting conditions or any other reasons.
So when you called them to ask why you had no coverage they were just silent? Also why do you believe you were dropped because of the pre-x condition? Also if you are covered at the time of your procedure insurance should still pay. Can you provide more details? A few of us work with benefits, maybe we can help?
I meant to say debt, not dept. Anyway I purchased the insurance, had heart attack no problem, ten days later had another heart attack. I received letter from insurance company telling me that I no longer have insurance through them, asked why, no response, received hospital bill from both heart attacks with tests and surgery to put three stents in. Had third heart attack in May, another stent, received hospitall bill five hundred sixty eight thousand and eighty five cents is what I now owe to the hospital. My understanding of ACA is that they were not suppose to drop patients for preexisting conditions or any other reasons.
So when you called them to ask why you had no coverage they were just silent? Also why do you believe you were dropped because of the pre-x condition? Also if you are covered at the time of your procedure insurance should still pay. Can you provide more details? A few of us work with benefits, maybe we can help?
Seriously. I also have lots of non-snarky advice for people who have issues with their insurers, but it is all highly dependent on who the regulator is for the plan, which in certain instances is state-specific. In many cases the state division of insurance will be the best bet, and someone from their office may also be able to help you identify which agency or department is responsible for overseeing your plan type if it isn't them (and in like 45 states if your plan is affiliated with the ACA it will be the DOI who will be regulating it, but again, not all health insurance plans sold are under the ACA.) You can usually file a consumer complaint on their website as well. And if they really did violate the law the DOI and often the Attorney General's office (depending on the specific issue) can act on your behalf to make it right.
Aside from abject discrimination and denials of coverage for certain benefits or procedures, the VAST majority of people who experience issues with their plans the cause is some sort of administrative error on the insurer's part, or user error (something the individual did wrong when signing up for their coverage - often it's that they selected the wrong plan type, or something went wrong with the eligibility determination, or they forgot to pay their premium, or gave misinformation when they enrolled). It could be THOUSANDS of things. I suspect that the issue was with the enrollment or possibly disenrollment in this case because it sounds like the individual didn't actually have insurance at the time of the procedures - if they were covered the plan would almost definitely have to pay for treatment. If they're denying coverage for a procedure you get a denial letter, not a letter saying you're not enrolled. If they failed to send the proper notices about unenrollment that is also actionable by the DOI, since there are regulations governing this.
I highly suspect this person is a troll, but my explanation above debunking the original nonsense statement was more for the principle of the thing. They've got 99 problems but the ACA ain't one.
I meant to say debt, not dept. Anyway I purchased the insurance, had heart attack no problem, ten days later had another heart attack. I received letter from insurance company telling me that I no longer have insurance through them, asked why, no response, received hospital bill from both heart attacks with tests and surgery to put three stents in. Had third heart attack in May, another stent, received hospitall bill five hundred sixty eight thousand and eighty five cents is what I now owe to the hospital. My understanding of ACA is that they were not suppose to drop patients for preexisting conditions or any other reasons.
Long before the ACA when I was hospitalized for an acute issue my insurance company also denied all of my claims. I knew the denials were contrary to my policy so I fought, and they ended up paying. One of the insurance reps told me by phone that the reason I was initially denied was that it was their policy to deny every claim the first time and hope people don't know to fight it.
This had nothing to do with ACA and everything to do with a corrupt, for-profit insurance company.
ETA I want to clarify by "fight" I mean that I made lots of phone calls to insurance company, nothing so drastic as hiring a lawyer.
I meant to say debt, not dept. Anyway I purchased the insurance, had heart attack no problem, ten days later had another heart attack. I received letter from insurance company telling me that I no longer have insurance through them, asked why, no response, received hospital bill from both heart attacks with tests and surgery to put three stents in. Had third heart attack in May, another stent, received hospitall bill five hundred sixty eight thousand and eighty five cents is what I now owe to the hospital. My understanding of ACA is that they were not suppose to drop patients for preexisting conditions or any other reasons.
Did they give you a termination date? If it was after the first 2 issues, then they should be covered. Many times claims go denied due to coding issues, billing issues, medical necessity issues, all things that can be resolved.
Your statement leaves a lot of unanswered questions. Many times people are blaming the ACA and in reality, it has nothing to do with it.
Isakson's staffers are telling people that he is undecided and waiting to hear what Deal has to say. Is this even remotely true?
Not really. I mean, it is VERY likely that Isakson will vote for the bill. And Deal is unlikely to say anything public against it. But it's definitely definitely still worth making as many calls as possible and pushing hard on them to oppose it. Every single bit helps and who knows what will happen.
Are you all getting tired? I cannot believe so many of you gave reasonable responses to a person with only 3 posts.
I figure if I can live in Washington state and explain why Patty Murray and Maria Cantwell, et al. voted against "The Bernie Bill" for "drugs from Canada" in "Bernie Country" more than once and live to tell about it without being jailed, I can answer this one without my head exploding too much.
I love the patience of the ladies on this board to educate. I've learned *a lot* from a whole host of ladies smarter and more well-informed than I.
Are you all getting tired? I cannot believe so many of you gave reasonable responses to a person with only 3 posts.
I know. I love this board. Troll smacked down with facts - lol. ETA: kindly, though just in case
I knew responding was the wrong thing to do, but I just HAD to put facts on the record in case others reading or lurking would like to know the real deal. Misinformation drives me batty and I just cannot. let. it. go.
I meant to say debt, not dept. Anyway I purchased the insurance, had heart attack no problem, ten days later had another heart attack. I received letter from insurance company telling me that I no longer have insurance through them, asked why, no response, received hospital bill from both heart attacks with tests and surgery to put three stents in. Had third heart attack in May, another stent, received hospitall bill five hundred sixty eight thousand and eighty five cents is what I now owe to the hospital. My understanding of ACA is that they were not suppose to drop patients for preexisting conditions or any other reasons.
So when you called them to ask why you had no coverage they were just silent? Also why do you believe you were dropped because of the pre-x condition? Also if you are covered at the time of your procedure insurance should still pay. Can you provide more details? A few of us work with benefits, maybe we can help?
I was describing my experience with the affordable care act. Maybe I dont understand it all but from what I know I either had to purchase insurance through the market place or pay a penalty to the government if I didnt purchase insurance. I purchased a plan that I could afford at the time and when I needed it when I had multiple heart attacks it failed me leaving me in debt that I cannot pay and will have to file bankruptcy. I tried to get a answer after multiple attempts with no response.
I joined this board a couple of days ago and posted a couple of posts and get slammed for them. Not a very friendly board if you ask me and I am not a troll.
I know. I love this board. Troll smacked down with facts - lol. ETA: kindly, though just in case
I knew responding was the wrong thing to do, but I just HAD to put facts on the record in case others reading or lurking would like to know the real deal. Misinformation drives me batty and I just cannot. let. it. go.
I know, I know... I'm part of the problem.
No, it wasn't the wrong thing at all! I'm with you on misinformation, but beyond that, I'm sick of Rs (ahem, CFG et al) treating us like we're stupid.
So when you called them to ask why you had no coverage they were just silent? Also why do you believe you were dropped because of the pre-x condition? Also if you are covered at the time of your procedure insurance should still pay. Can you provide more details? A few of us work with benefits, maybe we can help?
I was describing my experience with the affordable care act. Maybe I dont understand it all but from what I know I either had to purchase insurance through the market place or pay a penalty to the government if I didnt purchase insurance. I purchased a plan that I could afford at the time and when I needed it when I had multiple heart attacks it failed me leaving me in debt that I cannot pay and will have to file bankruptcy. I tried to get a answer after multiple attempts with no response.
I joined this board a couple of days ago and posted a couple of posts and get slammed for them. Not a very friendly board if you ask me and I am not a troll.
Typically there's a waiting period, so if you had a heart attack ten days after signing up, you probably weren't effective yet. And if you failed to disclose preexisting heart issues, you would be denied coverage. I'm sorry that happened to you, but it only proves that we need to strengthen consumer protections, not scrap them altogether.
So when you called them to ask why you had no coverage they were just silent? Also why do you believe you were dropped because of the pre-x condition? Also if you are covered at the time of your procedure insurance should still pay. Can you provide more details? A few of us work with benefits, maybe we can help?
I was describing my experience with the affordable care act. Maybe I dont understand it all but from what I know I either had to purchase insurance through the market place or pay a penalty to the government if I didnt purchase insurance. I purchased a plan that I could afford at the time and when I needed it when I had multiple heart attacks it failed me leaving me in debt that I cannot pay and will have to file bankruptcy. I tried to get a answer after multiple attempts with no response.
I joined this board a couple of days ago and posted a couple of posts and get slammed for them. Not a very friendly board if you ask me and I am not a troll.
I'm truly sorry this happened to you, but I have to reiterate that this has NOTHING to do with any failure on the part of the Affordable Care Act. If your insurer failed to provide coverage you paid for you should blame it on them - or pursue them for their lack of compliance (if there was any.) But please, please do not go around saying it's the fault of the ACA. It's unhelpful, and untrue, and also your time would be much better spent trying to figure out what *actually* went wrong. I would strongly suggest that you contact the DOI prior to filing bankruptcy, because it's very clear from your posts that you have not exhausted all of the options available to you to fix the situation.
If you want to participate on this particular board, you'll find that there's a welcoming and supportive community of people to have discussions with, but very little tolerance for lack of information or using anecdotes as data or fact. Sharing your experience is one thing (and always welcome), but making incorrect statements about things you don't understand is pretty universally going to result in strong replies and corrections.
Are you all getting tired? I cannot believe so many of you gave reasonable responses to a person with only 3 posts.
When I read your first sentence, I was expecting your question to be followed by something else: Andwhat: "Are you all getting tired?" Miniroller (internally): From calling our congressmen Every. Single. Day?!?!! YES!!! But we've gotta keep going!!!
Are you all getting tired? I cannot believe so many of you gave reasonable responses to a person with only 3 posts.
When I read your first sentence, I was expecting your question to be followed by something else Andwhat: "Are you all getting tired?" Miniroller (internally): From calling our congressmen Every. Single. Day?!?!! YES!!! But we've gotta keep going!!!
Then I read on....😌
This was also me. I was like "Are you getting tired? *raises hand*"
So when you called them to ask why you had no coverage they were just silent? Also why do you believe you were dropped because of the pre-x condition? Also if you are covered at the time of your procedure insurance should still pay. Can you provide more details? A few of us work with benefits, maybe we can help?
I was describing my experience with the affordable care act. Maybe I dont understand it all but from what I know I either had to purchase insurance through the market place or pay a penalty to the government if I didnt purchase insurance. I purchased a plan that I could afford at the time and when I needed it when I had multiple heart attacks it failed me leaving me in debt that I cannot pay and will have to file bankruptcy. I tried to get a answer after multiple attempts with no response.
I joined this board a couple of days ago and posted a couple of posts and get slammed for them. Not a very friendly board if you ask me and I am not a troll.
Did you contact an attorney? If everything happened the way that you say it did, then you would have a legitimate claim against your insurance company. I expect you are intentionally leaving out details here that would explain why you were denied coverage, but if not, then find an attorney to help you.
Are you sure that you applied for your insurance during the open enrollment period? If you tried to get coverage once you were diagnosed with a heart problem and you were outside of open enrollment, then you would not be able to get coverage.
Post by seeyalater52 on Sept 22, 2017 11:57:35 GMT -5
**PDQ I will delete this later**
Our latest call to action for ALL STATES if you haven't seen it yet - Democrats are requesting comments from organizations and individuals for the Senate Finance Committee hearing on Monday. It doesn't have to be as detailed as the template - quantity over quality. Everyone should definitely submit something!
Post by mrsdewinter on Sept 22, 2017 12:04:27 GMT -5
Here's an estimate of insurance losses over the next ten years if Graham-Cassidy passes. 15 million in the next two years alone and 32 million by 2027.
Every single constituent needs to be calling Murkowski and Collins right about now.
Collins is a def no. Her statement this morning was a little coy, but we have good intel. Murkowski is slightly more questionable, but still feeling good about her. Paul is a wildcard so we cannot count on him.