4 ms·

Why would you not want to take about that? Did the insurance company have a very bad reputation? Because I certainly would not be embarrassed to work for some i

Why would you not want to take about that? Did the insurance company have a very bad reputation? Because I certainly would not be embarrassed to work for some insurance companies because they can be fair and quite reasonable (while others are not).

tzakrajs 8y ago
At least in the United States, it's a trope that insurance salespeople and civil litigation lawyers are scumbags. I think it's completely bullshit, we need these industries.
- jakear 8y ago
  I once agreed. But three months ago I broke my leg in a skiing accident and my insurance (fuck you, Cigna) has refused to cover it because I didn't get "prior approval" for my emergency room visit. Thats right, I was supposed to call my fucking insurance company while lying in agony with a broken leg on top of a mountain waiting to be med-evac'd. On top of that, they've refused to cover my physical therapy, sending me a letter saying that it is their belief that I have full mobility and will not need further therapy sessions covered... while I was on crutches, in a boot. Probably a week or two after I got out of a wheelchair. Fuck you Cigna. Fuck Cigna.
  - tzakrajs 8y ago
    Oh wow! Fuck Cigna is right.
    - emodendroket 8y ago
      I think you could probably turn up similar stories about most insurers.
      - tzakrajs 8y ago
        Is it bad that I have this cognitive dissonance of being fine with hating specific insurance companies but not the concept of insurance more generally?
        jakear 8y ago
        Insurance as a concept is great. “Pay a little every month so that you won’t have to pay a lot when something unexpected happens”. The problem is when they ignore that and expect you to pay a lot when the unexpected does happen, as they look for any loophole available through which to get out of their obligation.
        emodendroket 8y ago
        There's that, and also the question of whether private insurance is the right model for healthcare.
  - sjg007 8y ago
    Be sure to appeal. Also file a complaint with the state insurance commissioner. Any ER is covered.
    - jakear 8y ago
      Yes thankfully is a lawyer with some experience with this sort of thing. I’m just a college student trying to get through the semester. Edit: typo. “My mother is...”
    - deleted 8y ago
      [deleted]
- philipodonnell 8y ago
  > At least in the United States, it's a trope that insurance salespeople and civil litigation lawyers are scumbags. I think it's completely bullshit, we need these industries. We can both need industries while calling out that salespeople in that industry can be unscrupulous. Try asking an auto agent to justify why you need $100K/$300K and collision coverage on a $5K car and listen to the endless emotional stories about people being ruined and kids killed because their auto coverage was depleted after an accident. Him: "Think about how hard it would hurt to have to pay $30K out of pocket!!!" Me: "Honestly that would suck, but the chances of it happening are pretty small, it wouldn't ruin me, and its not worth what you are trying to charge." Him: "Well what about $300K! Don't you want to be fully protected?" Me: "What about $1M?! I can name numbers too!" OK, maybe not that last line, but, using fear to sell someone more coverage than they objectively need is a scumbag move.
  - Pigo 8y ago
    It's the protection plans from Walmart, the coverages when you buy a car, the countless times big purchases become gigantic impulse buys because you're made to feel you can't afford not to roll the dice. It's not all insurance, but this concept of insurance pervades so much of the economic world. It just sickens me.
walshemj 8y ago
Well the insurance industry doesn't have the best record in some areas. eg screwing over long term customers relaying on inertia to massively hijack up cover costs. Let alone the whole with profits funds sector of the industry.

tzakrajs 8y ago

At least in the United States, it's a trope that insurance salespeople and civil litigation lawyers are scumbags. I think it's completely bullshit, we need these industries.

jakear 8y ago
I once agreed. But three months ago I broke my leg in a skiing accident and my insurance (fuck you, Cigna) has refused to cover it because I didn't get "prior approval" for my emergency room visit. Thats right, I was supposed to call my fucking insurance company while lying in agony with a broken leg on top of a mountain waiting to be med-evac'd. On top of that, they've refused to cover my physical therapy, sending me a letter saying that it is their belief that I have full mobility and will not need further therapy sessions covered... while I was on crutches, in a boot. Probably a week or two after I got out of a wheelchair. Fuck you Cigna. Fuck Cigna.
- tzakrajs 8y ago
  Oh wow! Fuck Cigna is right.
  - emodendroket 8y ago
    I think you could probably turn up similar stories about most insurers.
    - tzakrajs 8y ago
      Is it bad that I have this cognitive dissonance of being fine with hating specific insurance companies but not the concept of insurance more generally?
      - jakear 8y ago
        Insurance as a concept is great. “Pay a little every month so that you won’t have to pay a lot when something unexpected happens”. The problem is when they ignore that and expect you to pay a lot when the unexpected does happen, as they look for any loophole available through which to get out of their obligation.
        emodendroket 8y ago
        There's that, and also the question of whether private insurance is the right model for healthcare.
- sjg007 8y ago
  Be sure to appeal. Also file a complaint with the state insurance commissioner. Any ER is covered.
  - jakear 8y ago
    Yes thankfully is a lawyer with some experience with this sort of thing. I’m just a college student trying to get through the semester. Edit: typo. “My mother is...”
  - deleted 8y ago
    [deleted]
philipodonnell 8y ago
> At least in the United States, it's a trope that insurance salespeople and civil litigation lawyers are scumbags. I think it's completely bullshit, we need these industries. We can both need industries while calling out that salespeople in that industry can be unscrupulous. Try asking an auto agent to justify why you need $100K/$300K and collision coverage on a $5K car and listen to the endless emotional stories about people being ruined and kids killed because their auto coverage was depleted after an accident. Him: "Think about how hard it would hurt to have to pay $30K out of pocket!!!" Me: "Honestly that would suck, but the chances of it happening are pretty small, it wouldn't ruin me, and its not worth what you are trying to charge." Him: "Well what about $300K! Don't you want to be fully protected?" Me: "What about $1M?! I can name numbers too!" OK, maybe not that last line, but, using fear to sell someone more coverage than they objectively need is a scumbag move.
- Pigo 8y ago
  It's the protection plans from Walmart, the coverages when you buy a car, the countless times big purchases become gigantic impulse buys because you're made to feel you can't afford not to roll the dice. It's not all insurance, but this concept of insurance pervades so much of the economic world. It just sickens me.

walshemj 8y ago

Well the insurance industry doesn't have the best record in some areas. eg screwing over long term customers relaying on inertia to massively hijack up cover costs. Let alone the whole with profits funds sector of the industry.