At the company I work for, our previous insurer doubled our premiums, so we switched. It went from so-so to terrible.
My daughter cut her hand and needed stitches; I took her to the ER; their surgeon was booked, so they sent me to a different one. I got a $160k bill for an "elective surgery."
It took a couple of phone calls to get the point across that stitches for a hand bleeding through 3 dressings is not elective. 6 months later, the surgeon still has not gotten paid (I know this because sometimes get copied on the "request for extra information" that is sent out by the company).
Also I get about 3 letters from the insurance company for every visit that involves insurance (PT after the hand injury was weekly, so this was a lot). I asked if I could get those electronically, and apparently my plan doesn't qualify for paperless...
no, it's now pending on the insurer, who hasn't yet paid the doctor for most of it (they have sent about 6 letters asking the doctor for more information).
My daughter cut her hand and needed stitches; I took her to the ER; their surgeon was booked, so they sent me to a different one. I got a $160k bill for an "elective surgery."
It took a couple of phone calls to get the point across that stitches for a hand bleeding through 3 dressings is not elective. 6 months later, the surgeon still has not gotten paid (I know this because sometimes get copied on the "request for extra information" that is sent out by the company).
Also I get about 3 letters from the insurance company for every visit that involves insurance (PT after the hand injury was weekly, so this was a lot). I asked if I could get those electronically, and apparently my plan doesn't qualify for paperless...