Insurance Companies are Evil

A friend of mine just got a letter from her insurance company that their independent review board has decided she’s not actually married to her husband and isn’t eligible for coverage. Coincidentally, this comes the night before she has an appointment (finally!) at a highly regarded diabetes center. The documentation they require for the re-review is also insane. Not only a marriage certificate and her social security, but two years tax returns and utilities with both their names. I’ve been married for near five years and I don’t think we have utilities in both our names. (It’s sort of a weird mishmash–some in mine, some in his, based only on who called to set stuff up.) And married couples are allowed to file taxes separately if they want.

I believe that this was the legitimate result of an independent review–and not a decision that a diabetic who needs a knee replacement is too expensive and making up a reason not to pay for her care would be cost-effective–about as much as I believe in Santa Claus.

But isn’t it great that we don’t have that awful socialized medicine?

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5 thoughts on “Insurance Companies are Evil

  1. Regina T says:

    Seriously? She has to PROVE that she’s MARRIED TO HER FUCKING HUSBAND???? I thought I had heard it all in regards to insurance companies, but this bullshit makes me want to climb that clock tower! Please tell your friend to kick that insurance company’s ASS!~

  2. SunflowerP says:

    “Not only a marriage certificate and her social security, but two years tax returns and utilities with both their names.”

    This reminds me of what’s required to prove a bona fide relationship for marriage-based immigration to the US.

    It’s also a bit worrisome; I’m aware of the immigration stuff because I’m going through the process, and it’ll mean leaving the Great White Socialist Paradise and relying on my partner’s job-based health insurance. The possibility that what’s proof enough for the frickin’ DHS (several agencies involved, but all are subordinate to that) might not be sufficient for an insurer is chilling. (Good thing the long-term plan is to come back here – or if he snags employment in his field up here soon enough, I won’t have to move at all.)

    Evil, indeed – though it’s possible your friend’s case isn’t so much about “diabetic with knee issues” as “if we reject all the marriages, all those people will have to each buy their own coverage!” Same crap, different pile.

    Sunflower

    • itsalllissasfault says:

      This reminds me of what’s required to prove a bona fide relationship for marriage-based immigration to the US.

      Yeah, I’ve heard that that’s a huge hassle, though I don’t have any experience with it myself. I hope it goes well for you or, even better, you don’t have to move at all.

      Evil, indeed – though it’s possible your friend’s case isn’t so much about “diabetic with knee issues” as “if we reject all the marriages, all those people will have to each buy their own coverage!” Same crap, different pile.

      Well, I don’t think they’re denying everybody’s marriage, because that would make be fairly obvious as a scam. I’d be really curious though, to hear if anyone else at her husband’s work had the same issue. I also don’t know for sure that it’s because she’s high-risk and expensive. It could be random; heck, it could even be an honest mistake, although that seems like too much of a coincidence for me to buy it.

      • Regina T says:

        I haven’t had any medical insurance denials from my husband’s insurance company, but I DID have the life insurance company deny me. I bought a small (30 grand) TERM life insurance policy that was offered by The Hartford through his company. I filled out the application honestly and gave my true weight and disclosed that I have mild asthma and sleep apnea. Blood pressure good, cholesterol good, NO diabetes or heart disease. A few weeks later I received a letter from The Hartford telling me that they were denying me coverage because of my BMI. Now, can you tell me how often BMI is listed as the cause of death on a death certificate?

        Anyone?

        Anyone?

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