Do explain. The concept of home insurance seems particularly useful,but I'm biased.monarch64|1416322713|3785746 said:Yup. Total scam. All of it.
Niel|1416323338|3785758 said:Do explain. The concept of home insurance seems particularly useful,but I'm biased.monarch64|1416322713|3785746 said:Yup. Total scam. All of it.
monarch64|1416324198|3785762 said:Niel|1416323338|3785758 said:Do explain. The concept of home insurance seems particularly useful,but I'm biased.monarch64|1416322713|3785746 said:Yup. Total scam. All of it.
Just my opinion. Chrono explains it better so I'm not even going to attempt it.
Homeowner's is a great thing to have, obviously.
I used to work at an insurance agency. Worst job I've ever had. I was licensed for two years in Life and Health. I could tell you stories that would make you physically ill regarding companies going to great lengths not to pay out the benefit when someone died. Just disgusting.
I have very little respect for anyone involved in the industry. I know that sounds harsh, but it's just the way I feel. It's a shakedown based on fear tactics. Kind of like, oh I dunno, organized crime? You pay me, I'll protect you, you don't pay me, you're at the mercy of whatever.
Tacori E-ring|1416367948|3786185 said:One of my job duties is to call insurance companies for precerification and concurrent reviews (mental health and substance abuse benefits). They are horrible and they are denying more and more often. Even if someone is actively suicidal or psychotic,after x number of days they want them out. They also are trying to become more and more involved in patients care which is ridiculous seeing how they have no interaction or contact with the patient.
missy|1416392275|3786323 said:Tacori E-ring|1416367948|3786185 said:One of my job duties is to call insurance companies for precerification and concurrent reviews (mental health and substance abuse benefits). They are horrible and they are denying more and more often. Even if someone is actively suicidal or psychotic,after x number of days they want them out. They also are trying to become more and more involved in patients care which is ridiculous seeing how they have no interaction or contact with the patient.
I have to laugh because the insurance company had a general GP on their staff who never evaluated me or even spoke with me "look" at my case and the PT's notes and turn me down for further coverage based on that. He is not even an orthopedist and he is evaluating something well beyond his knowledge without all of the necessary info. I have a suspicion that as incentive for these doctors there is a bonus system for turning down as many people as possible. Though I am sure we will never get the real answer on that one.
Tacori E-ring|1416367948|3786185 said:One of my job duties is to call insurance companies for precerification and concurrent reviews (mental health and substance abuse benefits). They are horrible and they are denying more and more often. Even if someone is actively suicidal or psychotic,after x number of days they want them out. They also are trying to become more and more involved in patients care which is ridiculous seeing how they have no interaction or contact with the patient.
Loves Vintage|1416442869|3786797 said:Tacori E-ring|1416367948|3786185 said:One of my job duties is to call insurance companies for precerification and concurrent reviews (mental health and substance abuse benefits). They are horrible and they are denying more and more often. Even if someone is actively suicidal or psychotic,after x number of days they want them out. They also are trying to become more and more involved in patients care which is ridiculous seeing how they have no interaction or contact with the patient.
Does your facility track re-admissions? It must be difficult to do as patients may wind up at a different facility. I am just amazed at how willing insurance companies are to kick people out, only to find them back in a few days/weeks/months later because they were never fully properly treated to begin with. I am not in the medical field, but base my comments on how I've seen a family member treated by her insurance company. It is really insane how much control insurance companies have over how long patients may be treated and where they wind up next (the latter is in reference to physical rehab facilities -- skilled nursing vs. acute rehab.) Extremely frustrating!!
Niel|1416264646|3785392 said:Insurance companies?
Eta: reported to move lol
Tacori E-ring|1416452444|3786937 said:i don't think insurance is a scam, I think it is flawed. There is a difference.
Tacori E-ring|1416442368|3786795 said:missy|1416392275|3786323 said:Tacori E-ring|1416367948|3786185 said:One of my job duties is to call insurance companies for precerification and concurrent reviews (mental health and substance abuse benefits). They are horrible and they are denying more and more often. Even if someone is actively suicidal or psychotic,after x number of days they want them out. They also are trying to become more and more involved in patients care which is ridiculous seeing how they have no interaction or contact with the patient.
I have to laugh because the insurance company had a general GP on their staff who never evaluated me or even spoke with me "look" at my case and the PT's notes and turn me down for further coverage based on that. He is not even an orthopedist and he is evaluating something well beyond his knowledge without all of the necessary info. I have a suspicion that as incentive for these doctors there is a bonus system for turning down as many people as possible. Though I am sure we will never get the real answer on that one.
I can only speak doe behavioral health. What happens is when they can't approve more days there is a "peer to peer" review. One of our doctors speaks to the doctor that works for the insurance company. 75% of the time they give the patient additional day. When they don't we then appeal. Sometimes it work, sometimes it doesn't but know you can appeal the decision.
Oh gosh. This is all over our news up here. TBH it makes a lot of people not want to travel, or not want to BOTHER getting insurance, because it probably won't cover it anyways.Gypsy|1416469232|3787089 said:Niel|1416264646|3785392 said:Insurance companies?
Eta: reported to move lol
Yes. One word, pre-existing condition.
Just one ridiculous example:
http://www.addictinginfo.org/2014/11/18/canadian-goes-into-early-labor-on-vacation-in-us-gets-1m-hospital-bill-souvenir/
Pregnant woman from Canada goes Hawaii and bought health insurance for the duration of her trip. Because of a urinary tract infection Blue Crossed deemed her pregnancy high risk and said that the high risk pregnancy was a pre-existing condition (because of the urinary tract infection) and denied coverage. Result? Ridiculous medical bill for the delivery of her baby.
Personally? I'd sue.