Greetings, everybody.
After my article last week, about United Healthcare denying coverage of my recent hospital admission for internal bleeding, and some of the comments posted under that about United Healthcare, we are now searching for a new, GOOD health insurance provider. We are located in Georgia. It will need to be be of the larger ones that most doctors and hospitals accept.
If you have any recommendations, please put them in the comments box below. We would very much appreciate it! Our policy year ends on October 31st so we need to start shopping now.
We have Blue Cross Blue Shield years ago when we lived in Maine, and never had any complaints about them. When we moved to Florida, we learned they did not offer the same coverage there.
We’ve had United Healthcare for the past 13 years and, except for their enormous rate increases, we haven’t had any complaints…until now.
Again, we and all our employees are located in Georgia.
Please help!! You guys and gals are the best!!! 🙂
Angela
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I agree with Patricia – check with an insurance broker or agent. It doesn’t cost a thing, and they can help you compare coverage from multiple providers and make the best decision for you and your business.
I’m in Illinois and purchase my health insurance through the Healthcare Exchange, and all policies purchased through it must meet all ACA guidelines, but even them you need to be vigilant. In February, I started with a new doctor who naturally ordered a routine blood panel (the ACA requires all routine lab work to be covered). Only it wasn’t.
My insurance denied the claim, saying the lab was out of network, but would be covered by a “partner” insurance company that handles out-of-network care. The partner company then denied it twice. The healthcare provider said if the $2,371 claim wasn’t “resolved” by a certain date I would be responsible to pay it all. I told my insurance company—in writing and over the phone—that I would file an official complaint with the Illinois Insurance Board if their “partner” failed to cover services mandated under the ACA. Last week I learned they finally covered it.
If your current provider still resists covering what was obviously necessary life-saving care after receiving your letter, file an official complaint with your state’s insurance board or commission. In Georgia, I think that would be: https://oci.georgia.gov/insurance-resources/health
Thank you so much, Paula! And, good for you for fighting the big guys and winning!!! 🙂
Angela
Hi Angela,
No matter where you go, healthcare coverage is EXPENSIVE. BC&BS are superb, yet also expensive. Given your health issues, you may want t think seriously about them, since they often take folks with serious preexisting conditions that other companies. do not. And yes, they are not cheap.
You might also want to look for an independent insurance agent who can shop around for various plans. They are familiar with the local healthcare marketplace. You are fortunate that you’re a company and have several employees. This will make you a more desirable client/customer.
You remain in my prayers for ongoing, healing, as well as wisdom regarding your healthcare insurance.
Blessings,
Nancy
I live in Georgia and have used an agent for years who shops the best coverage for me and my disabled son. There is no charge for her services. She’s:
Janet Salyer
jsalyer@insuranceplanningsolutions.com
(770) 231-5905
Best,
Pat Bowen
Thank you sooooo much, Pat!!!! I just emailed her. 🙂
Big hugs!
Angela
Angela: I am retired from city of San Diego who uses Cigna. I have not had a problem with them after 10 years. Here’s a Google search comment:
Is Cigna a good insurance company?
Cigna is one of the largest health insurers in the US, and is highly rated by AM Best and the BBB. The company offers a variety of health plans for employer groups, as well as plans for individuals and families.Aug 2, 2023
Thank you, Richard!!! 🙂
Humana
Angela: Have you talked to an attorney about the way you were treated in the ER? Their response sounded like AI, with no humanity at all, and leaving you without proper medical care. It may be worth it to get some legal advice which might help, but your probably right to start looking for another provider.
Hope you’re better.
Love & hugs,
Jeri
Hi Jeri,
The hospital gave me EXCELLENT care. It was a couple of weeks after I was released that United Healthcare said I should not have been admitted (which is ridiculous) and that they weren’t covering it. I have gone through the first of a four-step process for rebutting their denial. The fourth step is appealing to the state and letting an independent panel not associated with the insurance company make the final decision. And, I will take it ALL the way because what they’re doing is just wrong. I read that only 2% of people whose claims are denied fight back. So, it’s in the insurance company’s best interests (financially) to play the numbers game to get out of paying claims. I can tell you…it’s not going to work with me!!
And, yes, if it gets to that, I will not hesitate to hire an attorney.
Ang