Insurance Company does a good thing?

No, not even close

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[SalelakaMokonzi]

As a hospital social worker, I hate insurances so much! This is always the case!

[TheOriginalMaudlin]

I work for an insurance company. I am sorry to all of you.

[brie]

Love working for a drs office. “Patient needs this test. Got into a bad accident. X-ray shows nothing broken but still a lot of pain”
Ins: we’ll if the X-ray shows nothings broken, you don’t really need this test. Try physical therapy and get back to us
Us; yup. Not working after a month. Can you approve this test?
Ins: send the accident notes, all your PT notes, dr visit notes, your recommendation and X-rays and well let you know if it’s really needed or not. Probs not though. Try PT for another month and we’ll redo this whole thing and maybe we’ll approve it. And if we do, they have a week to get the exam done otherwise they’re faking and we’re not extending the approval. Good luck!

I hate health and car insurance companies.

[CJ-fnhh]

Sad state of American healthcare. No wonder medical debt is the leading cause of bankruptcy when for every actual care provider, you have 10 insurance leeches all on a higher salary. Tear the whole system down and start again.

[ConstantlyDamaged]

This is a reason I love my country—it costs more for a bus fare to get to the hospital than it does for a procedure.

[Ycycycyyu]

Full Universal Healthcare FOR EVERYONE

[crimsonsnow]

The fact that "Schlecht" translates to "Bad" from German is hilarious.

[waffles]

Ugh, I needed a sleep study and my insurance was a pain in the ass. I was told that in order to get a lab study covered I *had* to do a home study first, then the lab one would be approved. So I dutifully did my home, and then lab study. Months later I get a bill for the lab study. So I call up the doctors office and ask "What is this? It's been over six months and insurance was supposed to fully cover it". They tell me that insurance denied it and that's all they know. Ok, whatever, time to call insurance. Who tells me it was denied because I already had a sleep study and they only pay for one. I clarify that I did the home sleep study like I was told I had to, and then the lab study. They confirm yep, we only paid for the home study so the lab study can't be covered.

So, according to insurance I had to have a home study to get my lab study paid for, but because I had a home study they wouldn't cover my lab study. WTF?!?! That's saying "We'll only pay for B if you do A first, but because you did A we won't pay for B". After two appeals with the help of an external company they finally covered it. But by this point I'd had to pay the bill so my doctor's office wouldn't kick me out for not paying. It took them several more months to refund the money.

[JamesDecker]

I’ve debated between chewing off a limb and talking with insurance a few times. Thankfully I still have all my limbs…

[Steph]

Omg, I had no idea this exact issue was a problem until a patient brought it to my attention after having a positive Cologuard test and being told he would be charged for the colonoscopy. It's so frustrating.

[junglegymcircusmonke]

Yep I had a colonoscopy and endoscopy a few years ago I'm still paying off. I had a long-term EEG and they said I'd have to pay $1500 out of pocket to hit my deductible bc I'm healthy otherwise with insurance or $990/day it was on and it was on 4 days out of pocket.

[blank_line]

Just some news from our country: Kids with type 1 diabetes in the capital are now getting a free system for checking their insulin level, that connects to the app on their phone and signals to them if something is wrong. They are getting new ones for free every 2 weeks. They are planning to do this across the whole country in a year and a half.
Oh, insulin is also free for everyone, who is officially diagnosed.

(this is just an example. Many things like this are actually free here, especially in the kids care)

US citizens really need to start speaking up about their ridiculous health "care" system

[conneee]

*cries in non nationalized health care system*

[amandaa]

Oh wow i didn't know this! There's so much red tape when it comes to insurance 🙄 thank you for educating us on situations like these.

[adamwest]

No way you’d be that chill whilst talking to that *FIRE* wig!

[zackfelker]

The doctor’s malpractice insurance and the patient’s insurance can fight it out, but the insured shouldn’t see a bill for that. Not how it works of course.

[seanspartan]

Balance Billing isn't a thing in California anymore.

[angel_cat]

Insurances wanting to be congratulated for doing something they were already supposed to be doing in the first place.

[theire]

It makes me sooo made when a Dr comes into a patient's room and talks about insurance.

I got so feed up with one Dr trying to make a relative of mine leave the hospital before time.

When a second Dr came in (I was going to mention it to him) he started right off complaining about a Dr getring on him about releasing a patient.

I asked who the Dr was, he refused to tell me. But, went on to say, I am for the patient healing and getting better. I don't worry about insurance companies.

My response was, I know who you are talking about. I was about to tell you that this Dr did that very thing to my relative.

I told him if that Dr comes into the room again, I would let them know: firstly, you are a Dr, stay in your own lane. Unless you are paying the bill I don't want to hear anything about insurance from you.

Geez USAmerican get with the rest of the so called "developed world", and get universal one payer healthcare for all.

[alexeialeksandr]

My insurance didn't pay for my x-rays because they were deemed unnecessary. The x-ray was ordered to see if I had a fractured rib. How is that unnecessary!?