Health insurance really is just another grift.
I find it HIGHLY ironic that conservatives are anti-single payer because they “don’t want the government to say if they can have a procedure.” Instead they apparently prefer our current system of a for-profit company saying what medical procedures they can have. Health insurance overrides doctor decisions ALL THE TIME because approving procedures costs them money. Good doctors know the best ways to fudge the order to get things approved because that’s the only way to actually help their patients.
Like gender affirming healthcare, women’s healthcare, etc… yea, government having a say is horrible unless they do what you want, then it’s ok.
Conservatives can’t even support their own ideals. What are they arguing about when they support the same shit they say they don’t…
It’s so fucked because there’s basically no way to tell if something is approved before you try to get reimbursed. Policies change daily and you basically have to rely on algorithms to chew up your claim and spit out an answer that will hopefully be accurate for the next hour.
It’s so funny to me when articles are like “shop around to find which hospital will do the procedure for less” when nobody has a clue how much something will cost before they try to submit a claim. Anybody who has ever tried that advice has certainly become frustrated halfway through the second call.
Fuck Cigna. My employer switched to them a couple of years back. Every claim I’ve made I’ve had to follow up on because they suck so hard. I had a surgery and they tried to charge me more than my out of pocket max. I was submitting some out of network bills and got months I didn’t receive the statement of benefits. When I followed up, I was told they didn’t process them because out of network only pays out 60%. When I told them to go back and fix it, I ended up getting back over $700. Basic physicals have been declined and requires a phone call to correct. They are worthless. I’ve got coworkers with bills sent to collections because they don’t process them correctly. Just awful.
I wish I could say this was in any way surprising to me
Get rid of middlemen. Medicare for all
Fuck Cigna.
After I suddenly became seriously disabled, they fought tooth and nail for like a year to keep me from even getting short-term disability. I had to hire an attorney (worth it!) to get my benefits.
If I didn’t have a safety net, I would have become homeless just waiting on getting my short-term disability.
Edit: On a related note, fuck the US. They’d prefer disabled people just die quietly under a bridge than give us anything at all.