My friend was born with a hole in her heart. She has had a total of 5 surgeries already, but none have been covered by her insurance. The family is literally multi-millions in debt. The excuse is that the hole is pre-existing. She was born with it!!!!! Also, my friend was on her parents' health insurance before the doctors found the hole...would that make it NOT pre-existing?
How can Health Insurance providers be so in-human?
2007-06-25 06:36:18 · 5 answers · asked by Anonymous in Business & Finance ➔ Insurance
Wow, how bizarre! Usually newborns are covered under their parent's policy, and anything they are born with is NOT excluded as a preexisting condition.
I think something isn't right about this!! Insurance companies pay millions and millions every year for congenital birth defects and preemie babies!!
Um, regarding the inhuman part. I have some Enron stock, I want you to buy it. Please email me, and I'll tell you where to send the check. If you don't buy it off of me, that's inhuman - by your definition (paying out regardless of terms and conditions, with no limits).
2007-06-25 07:00:40 · answer #1 · answered by Anonymous 7 · 2⤊ 0⤋
The condition is 'pre-existing' if it is discovered and medically documented BEFORE the current policy came into effect. I'm guessing your friend somehow was diagnosed prior to being on this policy.
Yes, insurers WILL refuse to pay on such medical conditions. They are not unhuman. They are following the dictates of the policies they underwrite. If they did NOT exclude pre-existing, the cost of health insurance for everyone would go up substantially, since folks would simply buy a policy once they discovered they have a VERY expensive condition. Kind of like trying to buy automobile collision coverage AFTER you smash the car.
It doesn't work that way in real life.
2007-06-25 14:44:00 · answer #2 · answered by acermill 7 · 0⤊ 0⤋
"I read the constitution and found out I have a right to own a gun. Earlier this week someone was shot and killed in front of my church. So for my health and my families health I need a gun. According to most liberals it's the governments job to provide us all our rights. So why wont they make my health insurance provider give me a gun? I checked the 9 MM I need is about $600.00 And I will need about $150.00 a month in ammunition. Being able to protect myself and family from violent criminals is a basic human right, my insurance should cover." THE WORDS OF A STUPID PERSON.
2016-05-19 23:59:18 · answer #3 · answered by Anonymous · 0⤊ 0⤋
As far as I am concerned, they're not. They must be conditioned to have all humanity drained from their very soul. Look at it this way, when you purchase insurance of any kind, you are betting that you WILL get sick, have an accident, something terrible happen to your home, auto, or some idiot will trip and fall on your front walk and want to sue you!
2007-06-25 06:44:47 · answer #4 · answered by Diane G 2 · 0⤊ 0⤋
Welcome to the human race, it's all about money talks.
2007-06-25 06:40:13 · answer #5 · answered by Anonymous · 0⤊ 0⤋