First, #ChatTuesday, “We don’t yet know.” And now Tuesday.
I am having much fun with my health insurance, and while I vowed not to complain in Chat Tuesday, I make no such promises here. First Cigna said the ER I visited was out of network. The customer service agent insisted and insisted it wasn’t in network.
So I told him to look up the hospitals I could go to. “Oh,” he said.
Then I got a revised explanation of benefits calling all of the payments that were “my responsibility” co-pays so they did not count toward the deductible. Out of $1550 in charges, roughly, only $250 counts toward the deductible.
And they are listing a physician as “out of network” despite a law that requires them to treat such physicians as in-network for ER visits, as I certainly had no control. I also never actually saw a physician.
So I complained about all of this on Twitter and customer service told me I could email them so they can explain to me my benefits. Like the problem with this situation is my comprehension and not their ability to shapeshift costs so that they pay none of them.
I guess I saved up a lot of complaints.
American healthcare is A NIGHTMARE. If you are in a country that has public healthcare, do not allow them to take it from you. This is a system no one wants, aside from the insurers who make money from it, and no one should have to have.
It is in their interest to collect premiums and pay nothing on them. They do not care about our health, only about the money. And our health costs them money.
Anyway, that rant is it for me today. Have a less enraged Tuesday than I am.
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