Have you meet a problems related to Health benifits and insurances

Shellback. We meet again... I actually work in the insurance arena, particuarly health insurance. Usually, if you are applying on an individual package, i regret that you cannot be covered for pre-existing conditions like hypertension, diabetes or asthma. And if you would get the rates of the insurance companies or HMOs, they can charge you 20k for an annual coverage. But! If you are employed under a company, these pre-existing conditions are usually waived, you can even have pregnancies covered and you can even have out-patient benefits and have your medications reimbursed! There is always advantage in volume. Not only do you get the best rates, but you also get the best benefits. As they say, it always pay to have higher benefits and coverage.

I actually have had a couple of insurance problems. Despite what the previous poster said, I had problems with pre-existing conditions coverage when I went to work for a new employer. I received a letter stating that pre-existing conditions wouldn't be covered for a year. Although DH and I had none at the time, I fought them on it but it took 6 months before they agreed to cover them. However, the worst problem that I had was when we retired early and we took out an indiividual policy. At the beginning of the year, DH suffered a stroke, hit his head on the pavement and sustained a creative brain injury. I wasn't with him and he was taken to the nearest trauma center and emergency surgery was performed to remove a blood clot from his brain. The insurance company stated that they would only cover 50% because the hospital was out of network and the Doctors were as well. I filed a grievance which not only goes to the insurance company but to the state insurance commission as well and I finally won but again it took 5 months for the insurance company to agree to pay the over 200K balance and another 3 months for them to actually pay the providers. I have one final issue to get resolved with this company and then I'm changing insurance companies as soon as possible.

Hello my friend shellback Ji,
As retired person's wife, we both enjoy health benifits from our helth services. Recently my elder son who to is a Govt employee and met with bike accident could claim his money under policy. I do agree that even corporate sector must have some fool proof mehods to take care of their employees.
May God bless You and have a great time.