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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 a
by 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 agoOh wow! Fuck Cigna is right.
- emodendroket 8y agoI think you could probably turn up similar stories about most insurers.
- tzakrajs 8y agoIs 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 agoInsurance 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 agoThere's that, and also the question of whether private insurance is the right model for healthcare.
- sjg007 8y agoBe sure to appeal. Also file a complaint with the state insurance commissioner. Any ER is covered.
- jakear 8y agoYes 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]