3 ms·
What used to happen routinely is that when an insurance customer developed an expensive condition a "rescission" team would do a detailed audit of their initial
by DavidAdams 12y ago
What used to happen routinely is that when an insurance customer developed an expensive condition a "rescission" team would do a detailed audit of their initial application and medical history, looking for a pretext to break the contract. So if they went to the doctor prior to enrolling and complained about back pain, but didn't disclose that in their application, if that back pain could in any way be connected to their later cancer diagnosis, the contract can be voided and the insurance company could drop the customer and not pay for their treatment.
- jjoonathan 12y agoAnd the recission teams were even paid on commission. Top prize to the person who figures out how to dump the lady with cancer, second prize to anyone who can figure out what clauses to add to the new contracts to catch people like her in the future! Also, don't forget the other tricks: shifting billing dates around, losing invoices in the mail, using the customer's income to calculate copays which would bankrupt them before they could afford expensive treatment... the list goes on. EDIT: this is why I said that the insurance companies had to find an excuse to drop people, rather than just drop people. The really obvious stuff tends to be illegal.