lazygood4nothinbum
Thinks s/he gets paid by the post
- Joined
- Feb 27, 2006
- Messages
- 3,895
i've been with the same health care insurance company for more than 10 years either through my previous employer, cobra and now private insurance which cranks up the first of the year. the only real condition i have is glaucoma, which my grandfather had and so i kept close monitor & caught it the very year the pressure in my eyes indicated i had it too. daily drops control it with no detectable deterioration over many years already.
when i was being sold this new private policy, i was told my glaucoma would not be a problem because i'd been with the same company with the same condition for so many years. however, when they wrote my policy, the included an exclusionary rider for a condition pre-existing the private policy even though existing to the group & cobra policies which were with the very same company.
their legal scamming difference being that the parent company issues the group plans but their subsidiary issues the private plans. they offered neither reason nor apology as to why i was initially mislead.
so now i get to pay the same premium for less insurance on top of which i can not even write off my $70/month bottle of two-drops-a-day-medicine off the yearly deductible. never mind that i'm paying $435 for this last month into cobra, but the "new" insurance says something to the effect that if anything develops within 6 months they'll consider that pre-existing too. outside of heart or kidney failure, i'd be afraid to go the doctor for a hang-nail at this point. who knows what they'd find and then dis-count as pre-existing. what a scam.
when i was being sold this new private policy, i was told my glaucoma would not be a problem because i'd been with the same company with the same condition for so many years. however, when they wrote my policy, the included an exclusionary rider for a condition pre-existing the private policy even though existing to the group & cobra policies which were with the very same company.
their legal scamming difference being that the parent company issues the group plans but their subsidiary issues the private plans. they offered neither reason nor apology as to why i was initially mislead.
so now i get to pay the same premium for less insurance on top of which i can not even write off my $70/month bottle of two-drops-a-day-medicine off the yearly deductible. never mind that i'm paying $435 for this last month into cobra, but the "new" insurance says something to the effect that if anything develops within 6 months they'll consider that pre-existing too. outside of heart or kidney failure, i'd be afraid to go the doctor for a hang-nail at this point. who knows what they'd find and then dis-count as pre-existing. what a scam.