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[OT] Arrgghhh! Flipping insurance companies
I get a chiro adjustment every week. I've been doing so for well over
a year. This year, I switched to DH's insurance policy instead of having my own. On March 22, I was rear-ended and went to the chiro to get myself checked out. This is the only incident that had anything to do with an accident. We just received, by mail, a sheaf of papers representing every chiro visit since January. For some reason, they are all marked uncovered because I haven't sent information about the related accident. Well, of course not -- there is no accident! Certainly there is no earthly reason why they would think that a chiro visit in January had anything to do with an accident in March, but actually I think it has nothing to do with the actual accident. The customer service for the insurance company seems to be completely useless. Bleh. Now I'm steeling myself for an argument with an insurance company. And we know how fun those are. And I'm worried, because I thought DH's coverage would be the same as mine was -- you get chiro coverage as part of routine care -- but now I'm not sure. -- monique, who spoils Oscar unmercifully pictures: http://www.bounceswoosh.org/rpca |
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Monique Y. Mudama wrote: Now I'm steeling myself for an argument with an insurance company. And we know how fun those are. And I'm worried, because I thought DH's coverage would be the same as mine was -- you get chiro coverage as part of routine care -- but now I'm not sure. I don't know what the "rules" are for normal health insurance (and they may vary). Medicare only allows you twelve visits a year. However, there WAS a time (not so long ago) when most medical unsurance did not cover chiropratic at all - or any other form of "alternative" care. |
#3
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On 2005-06-03, EvelynVogtGamble(Divamanque) penned:
Monique Y. Mudama wrote: Now I'm steeling myself for an argument with an insurance company. And we know how fun those are. And I'm worried, because I thought DH's coverage would be the same as mine was -- you get chiro coverage as part of routine care -- but now I'm not sure. I don't know what the "rules" are for normal health insurance (and they may vary). Medicare only allows you twelve visits a year. However, there WAS a time (not so long ago) when most medical unsurance did not cover chiropratic at all - or any other form of "alternative" care. Sure, but the issue is that they're *supposed* to cover chiro as part of regular care, up to so many visits, and now they're making a big deal out of it. I talk to my chiro office and she said they like to scare people by sending lots of forms to fill out; that it's just a way of delaying payment. The issue isn't whether or not I'm lucky the insurance does cover chiro (I know I am); it's that they said they would cover it, and now they're making it a pain. -- monique, who spoils Oscar unmercifully pictures: http://www.bounceswoosh.org/rpca |
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"Monique Y. Mudama" wrote in message
... On 2005-06-03, EvelynVogtGamble(Divamanque) penned: Monique Y. Mudama wrote: Now I'm steeling myself for an argument with an insurance company. And we know how fun those are. And I'm worried, because I thought DH's coverage would be the same as mine was -- you get chiro coverage as part of routine care -- but now I'm not sure. I don't know what the "rules" are for normal health insurance (and they may vary). Medicare only allows you twelve visits a year. However, there WAS a time (not so long ago) when most medical unsurance did not cover chiropratic at all - or any other form of "alternative" care. Sure, but the issue is that they're *supposed* to cover chiro as part of regular care, up to so many visits, and now they're making a big deal out of it. I talk to my chiro office and she said they like to scare people by sending lots of forms to fill out; that it's just a way of delaying payment. The issue isn't whether or not I'm lucky the insurance does cover chiro (I know I am); it's that they said they would cover it, and now they're making it a pain. Great West Health Insurance went one better than that. They "protested" every single medical claim made no matter *what* it was for - *EVERY* *SINGLE* *ONE*! And then they sent you a form letter saying you could counter this protest (but it never did any good). They would d*ck around so long with it that you had to pay for the services yourself (if you wanted to keep a good credit rating and on good terms with your health provider) and then they would never get around to reimbursing you for what you paid. They also did stupid things like... I am on Ambien for my Fibromyalgia and the doctor told me to take one every night, no exception, to get a sound enough sleep so that the pain would not be so bad in the mornings. He gave me a prescription for 30 pills every month, no break - when the pills run out immediately get more. But GW Health would only pay for 14 pills in any 30 day period. Then if you got the rest of the pills by paying for them yourself, under pharmacy rules that counted as a refill. So from the doctor's point of view I was using up my refills twice as fast as I should have (until I got my pharmacy to call him and let him know what was happening). I was *SO* glad when the company merged and they used the other company's insurer, CIGNA. But they pretty much all suck compared to how insurance companies *used* to be. Hugs, CatNipped -- monique, who spoils Oscar unmercifully pictures: http://www.bounceswoosh.org/rpca |
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