dagblog - Comments for "To Whom it May Concern re: Medical Insurance Coverage"

Ms. SoWrong: In answer to

wwstaebler — Wed, 28 Jul 2010 01:21:14 +0000

In reply to To Whom it May Concern re: Medical Insurance Coverage

Ms. SoWrong:
In answer to your survey:
1) none of the above;
2) false,, but not for the reasons you offered;
3) Essay:
Why is it that JSNHI fails to answer a straightforward question, to wit: are you refusing to cover annual prostate exams for men who have had vasectomies?

JSNHI's failure to answer this question implies that, either:

a) the question is faulty; or,
b) the question is germane to the disparity between cost and coverage for men, versus cost and coverage for women.

I think the answer is B, which stands for JSNHI b*llsh*t. But that is just my opinion.

Sincerely,

Susan Rutledge Ravenel

OMG! Teeth! Do you not know

Red Planet — Wed, 28 Jul 2010 01:05:56 +0000

In reply to To Whom it May Concern re: Medical Insurance Coverage

OMG! Teeth!

Do you not know that failure to disclose a pre-existing condition is grounds for recission?

Let's hope Ms. Sowrong isn't paying attention.

Dear Ms. SoWrong: I just

wwstaebler — Tue, 27 Jul 2010 14:43:19 +0000

In reply to To Whom it May Concern re: Medical Insurance Coverage

Dear Ms. SoWrong:

I just received your survey and will respond to it later this morning after I return from a dental appointment that may require us to discuss the "pre-existing condition" of having teeth.

Sincerely,

Susan Rutledge Ravenel

Wendy, I'm afraid another

Red Planet — Tue, 27 Jul 2010 05:59:52 +0000

In reply to To Whom it May Concern re: Medical Insurance Coverage

Wendy,

I'm afraid another missive is on its way to Ms. Ravenel, though it doesn't address the question of the overdue (or not) premium.

---

Dear Ms. Rutledge Ravenel:

You have been chosen to participate in a brief survey based upon your recent experience with our policy on pre-existing conditions. Please take a moment to answer these questions and return the survey to us.

1. Which of the following statements do you most agree with (chose one):
a) It is not fair for people with pre-existing conditions to expect healthy policy holders to pay for their care.
b) Taking care of people with pre-existing conditions distracts providers from taking care of people who have better long-term prospects.
c) People with pre-existing conditions should think long and hard about how they acquired them.

2. True or False: I would rather have an insurance policy that does not provide comprehensive coverage than have one that I cannot afford.

3. Write a one paragraph essay to explain why you agree with the following resolution. Resolved: The predisposition of women to acquire the pre-existing condition of menopause should be recognized as a pre-existing condition in and of itself, disqualifying them from coverage for any and all treatment of female problems from the time of birth.

Your answers will be used to inform our policy on pre-existing conditions going forward. Please be assured that your identity will not be disclosed to anyone outside the corporate management of JSNHI.

Sincerely,

Sarah Sowrong, Ass't to the Director
Customer Relations

Funny, Red, but I have yet to

losamigos — Mon, 26 Jul 2010 23:38:55 +0000

In reply to To Whom it May Concern re: Medical Insurance Coverage

Funny, Red, but I have yet to experience an insurer who would not (at least) threaten to cancel insurance permanently if payment is not received by the first of the month.

And don't forget to submit your HIPPA form showing proof of no-gap medical insurance. Otherwise, the insurer will not pay any claims for a 12 month period, despite the thousands in premiums you paid just to be "included". Unbelievably, this is real, folks.

HA! Truly laughing out loud,

wwstaebler — Mon, 26 Jul 2010 23:35:49 +0000

In reply to To Whom it May Concern re: Medical Insurance Coverage

HA! Truly laughing out loud, Red Planet. I am not only delighted by the complete character credibility of Ms. "SoWrong," but also by the list of companies licensed to sell Susan a new policy, all of which are, of course, one and the same.

Absolutely fantastic. Just one quibble:

"Dear Ms. SoWrong:

Thank you for taking the time to address my concerns so promptly.

I appreciate your clarification of what constitutes a pre-existing condition as I thank you for including a list of alternative, "competive" providers.

I must point out, however, that you are mistaken in thinking my premium is overdue. If you will, please check with accounting so that you can confirm that, at the time my policy was approved, it was approved only on the condition that my monthly premiums be paid by automatic withdrawal from my bank account which, in turn, was linked for back up to my credit card.

I protested that requirement, as it seemed unnecessarily invasive of my financial privacy, but I was told that it was a company policy required of all new customers.

Nonetheless, I do appreciate your attention to detail.

Sincerely,

Susan Rutledge Ravenel"

Dear Ms. Rutledge: We are in

Red Planet — Mon, 26 Jul 2010 23:10:00 +0000

In reply to To Whom it May Concern re: Medical Insurance Coverage

Dear Ms. Rutledge:

We are in receipt of your letter to Ms. Templesman, our Claims Adjustment Supervisor, dated July 25, 2010. You are correct, menopause is a listed pre-existing condition. Pre-existing conditions are excluded from coverage.

We regret your decision to look for health insurance coverage elsewhere. We do want to continue to be helpful, however, so I have attached a list of all health insurers authorized to do business in Virginia.

I note that your current premium installment is 12 days past due. To insure that there is no gap in coverage, you will want to pay this overdue premium installment promptly. As you know, a coverage gap may result in additional pre-existing condition exclusions from your new insurer.

Sincerely,

Sarah Sowrong, Ass't to the Director
Customer Relations

Encl: Health Insurance Companies Authorized to Do Business in Viriginia

CC: Ms. Templesman

HEALTH INSURANCE COMPANIES AUTHORIZED TO DO BUSINESS IN VIRGINIA

1. Just Say No Health Insurance, Inc.
2. Market Rate Health Benefit Plans, Inc., a wholly-owned subsidiary of JSNHI
3. Outta Pocket Health Care Corp., a majority-owned subsidiary of JSNHI

We got what we "paid" for, in

Kali Star — Mon, 26 Jul 2010 20:10:30 +0000

In reply to To Whom it May Concern re: Medical Insurance Coverage

We got what we "paid" for, in votes that is. What's to be done ? Just complain, or lie down and die in one way of another if you're sick, or maybe figure out some kind of political move.

Hey Flower -- My friend Susan

wwstaebler — Mon, 26 Jul 2010 19:14:33 +0000

In reply to To Whom it May Concern re: Medical Insurance Coverage

Hey Flower --
My friend Susan has no more desire to die prematurely than any of the rest of us. But, on the other hand, the ongoing stress of trying to find the money to pay their usurious policy rate and deductibles, which is exponentially exacerbated by the stress of repeatedly dealing with adjuster insanity, just might cause her untimely demise by stroke... instead of "slowly turning green," as originally envisioned. (Note: "slowly turning green" is in quotes in deference to a friend of her mother's who once said, when asked why she was taking flying lessons at age 70: "Oh, I think it would be so much more elegant to crash than to slowly turn green, don't you?"

You are, of course, quite right about the tilting at windmills aspect of fighting the insurance monster. I said much the same to Susan, but she felt she had to write on protest, anyway, just to have done it.

I, on the other hand, have been busy being scanned for this and that, scheduling as much repair and maintenance done as I can get approvals for before my Cobra runs out in December. By December, if nothing is currently pinging the danger zone sonar, then I will do without health insurance until 2014. Because -- pardon the use of the word -- it is my only "option."
A private one, because the public one didn't happen. ;-)

I agree battling them is like

synchronicity — Mon, 26 Jul 2010 19:08:06 +0000

In reply to To Whom it May Concern re: Medical Insurance Coverage

I agree battling them is like battling the Borg.

Hopefully there will be some recourse, some place to direct something like being denied coverage for a pre-existing condition such as 'being a human being'. Because the Borg will point out that human beings get sick, injured, diseased, pregnant,etc. and that can require a lot of medical care. And since the health insurance Borg are in the business of making money, they find these pre-existing conditions a drain on their profits which won't be tolerated.