Insurance companies = swindlers

Check out this story on Double X.

A lady had health insurance that supposedly covered maternity care, pre- and post-natal. But when she got home from the hospital, it turned out she owed over $20,000.

The insurance company claimed they capped the maternity benefit at $3000, even though her benefits pamphlet listed all maternity costs, including labor and delivery. The cap was noted in her policy only in a fine print addendum–you know, one of those tiny charts way in the back that no one reads.

She fought the cap and got most of her care paid for in the end. (Because she was vocal or because she decided to write a piece about it, she’s not sure.)

In any case, it is this kind of baloney that regulation of the insurance industry would hopefully curtail. Right now, under current laws, it is not illegal–though it is highly unethical–to take people’s money and promise them coverage, then snatch that coverage away when actual claims are made.

If, with this new health care bill, Congress makes the insurance companies’ shell games illegal, we will all be better off.

Honestly, I don’t know how people who work at companies like CareFirst can sleep at night.


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