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If it's not one thing, it's another............

Sep 01, 2009 - 3 comments
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OVCA

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Health Insurance Companies



So, this week my son and DIL discovered that their health plan, United, does not subcontract w/The Mayo. This means that their co-pays will now be 25%. Can you imagine such a thing? I don't know how much everything costs, but I know it's beaucoups. Probably hundreds of thousands of dollars. As my son said yesterday, "I make a lot of money, and yet I can't afford to pay for medical care for my wife? This is insane." And I agree w/him. He asked the Mayo docs if they would let DIL have various tests run in Rochester at hospitals/clinics who do accept United, and of course, Mayo said they'd feel better about performing them at The Mayo..... They did say they would write an appeal to United making the plea that the Mayo is the only hospital in the US who can perform certain kinds of surgery my DIL needs, re diaphram surgery.

I know insurance companies well enough to know that they will do anything not to pay, so I expect this bout will go back and forth, back and forth, before any resolution is reached, and then I doubt the resolution will be satisfactory.

How can it be that the US Health system is in such a mess? I support the 'government plan' in the healch care debate not occurring. I guarantee that if health insurance companies had to honestly compete, they would find a way to compete and costs would go down. It is truly an outrage that insurance companies - not government bureaucrats - have the authority to say who does and who does not deserve treatment.

I've read on this site of at least 2 women who don't have health insurance, go to the ER, and are told they need to go to a gyn/onc. That they don't do pelvic exams in ER. I supose it means if you don't have insurance and/or you can't afford to pay, you just grin & bear it and die. I'm gelling you, it's an outrage that our country treats ill people in such a way.

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329994 tn?1301663248
by lvfrogs, Sep 01, 2009
This is horrible and I am so sorry to hear this. It is just not right!! Our health care is a mess but not sure Obama's plans are right either. I also was turned down by my insurance company to go to Mayo, which apparently is the only place in Florida that does a procedure that I might need. You know Mayo is expensive. Well, I will pray for a good resolution with your insurance company.  How is your DIL feeling?
Hugs,
Colleen

146692 tn?1314331773
by butterflytc, Sep 01, 2009
It is definately screwed up! I am one of the people on here who lost my insurance. When my mom passed away form Cancer, they found a loop hole to drop my coverage too. I tried everything in the book to fight it, but did not succeed. I do not know what I would have done if it were not for Medicare (government involved, and has saved my life). Don't know about the Obama plan, but know something has got to be done, and soon. It is not right that cancer patients are falling thru the cracks. The insurance companies, had no problem covering us when we were well, as we were an income. Sick people are a costly liability to them, and it is best for the business to get us off the books!
   I hope Mayo is able to convince the insurance to help your DIL out. They may know a way to get around the red tape.
best wishes
butterflytc

349465 tn?1289081764
by Teresa222, Sep 01, 2009
Katie116,
The fact that your son's insurance excludes full coverage out of his local area is very common on many policies.  I do not see it as an indication that our US healthcare system is messed up. It sounds as if your son is probably blessed with very good insurance..which most American's also now have. We don't need to be throwing out the baby with the bath water, so to say. That is how I see so much of the new "PLAN" our current President is trying to get passed.  Yes, we need some changes, but not a total overhaul so the the government is exclusively running healthcare IMO.

I sure hope the staff at Mayo is able to negotiate something with your DIL's insurance company.  If not, perhaps they will negotiate DIRECTLY with your son to ease the cost of using them in their time of dire need. Unfortunately, our Constitution does not guarantee us free health care. I wish it did! The longer my husband and I are both fighting cancer, the deeper into our pocketbooks we have to reach.  I just hope we planned well enough to withstand such costs for the duration.  We're 60 and 61 years old now.

Let us know what happens. I sure hope your Son gets some type of reprieve on the costs of going to Mayo.
Teresa

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