Quote:
Originally Posted by AlphaFrog
I know many places you are charged, but the fee is waived if you are admitted.
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right....
also back to the example about the grandfather being dropped in the hospital:
This is part and parcel why the govt needs to try and look into overhauling the nation's insurance system becuase too many people cannot afford it and too many insurance companies have too many tricks and loopholes for things that they won't cover.
A friend of mine told me this:
One company that she worked for has the following in ther policy
Dependent upon the client company,(like proctor and gamble, muzac, or Verisign) they have a policy where if you go to a covered or non covered ER under the and it's a life threatening emergency, they will cover anywhere from 70% to 100% of the cost
If it's not life threatening, then the most they will cover in some cases will be as much as 50%
and then if you disagree, you have to appeal with the hospital and the insurance company (which can take anywhere from 3 to 6 months by which time they have already sent thie bill to collections) just to get charges reversed.
Slightly off topic: but what i found most intruging is this lil portion of the policy for the company she worked for....
If you are over the age of 50 and you go in for a preventive care colon screening (which a preventive care screening is covered @ 100%) and during the screening, they remove any polyphs or treat you, it then is no longer a preventive and in most cases, they don't tell the patient and the patient doesn't usually find this out until they get a bill in the mail....which then she does her job and case manages the claims.....
So, whatever insurance you have...please read your policy thorughly!
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