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Consumer Rights and Insurance
I have been reading posts about insurance companies not paying for this or that. Remember, that is their only product- the ability to pay or not. They are nothing more than risk brokers. If you viewed them as a local grocery store, they would be one that sold only one product- lottery tickets. Except in this game, the insurance execs get the money and the patients get sicker.
In dealing with insurance companies do the following:
1. Call to get a name of a supervisor AND the medical director
2. Do not try to speak to that person unless you like being on hold for hours
3. Write a letter to them. Be sure to include the nature of the problem and the solution you recommend.
4. If THAT person does not respond to you in 3 weeks then write another letter
5. In this letter, reproduce the firsts letter but this time send a copy to the following bodies:
a. The State Insurance Department (they are all online- Google your own State- complaints can be online,
b. The Office of Professional Medical C0nduct (everey State has one)- complain specifically about the Medical Director. While our archaic laws prevent us from suing these "doctors" for malpractice, they do have professional licenses and their behavior in the interests of the insurance companies actually violates many of these ethics. The OPMC by law must investigate and if found in violation they will yank the license of the medical director. THIS IS MY ABSOLUTE FAVORITE ATTACK STRATEGY!
Fight back. Do it all in writing. The people you speak to on the phone are hired robots.
Related Topics: Getting the Care You Need, The Cost of Pain
Technorati Tags: claims, consumer rights, health insurance
In dealing with insurance companies do the following:
1. Call to get a name of a supervisor AND the medical director
2. Do not try to speak to that person unless you like being on hold for hours
3. Write a letter to them. Be sure to include the nature of the problem and the solution you recommend.
4. If THAT person does not respond to you in 3 weeks then write another letter
5. In this letter, reproduce the firsts letter but this time send a copy to the following bodies:
a. The State Insurance Department (they are all online- Google your own State- complaints can be online,
b. The Office of Professional Medical C0nduct (everey State has one)- complain specifically about the Medical Director. While our archaic laws prevent us from suing these "doctors" for malpractice, they do have professional licenses and their behavior in the interests of the insurance companies actually violates many of these ethics. The OPMC by law must investigate and if found in violation they will yank the license of the medical director. THIS IS MY ABSOLUTE FAVORITE ATTACK STRATEGY!
Fight back. Do it all in writing. The people you speak to on the phone are hired robots.
Related Topics: Getting the Care You Need, The Cost of Pain
Technorati Tags: claims, consumer rights, health insurance
