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11/18/2008
Tuesday morning
This topic is closed off and you will be taken directly to the website.
Topics taken from open source list. I hope you find this useful.
This site is for our clients only as an information resource.
| If you still have problems, state attorney generals tend to be one
source of help. Your state department of insurance may also have a
consumer complaint department. |
| mabb2000@my-deja.com wrote:
Ted Rosenberg wrote:
As far as I know, most do not - if you know of any, please notify me
and I will check them out.
Check these sites. More states may have been added, some states may
have dropped it, and some states may have more restrictions than others.
Current info should be obtained directly through the individual state
to see if a risk pool exists. Insurance carriers such as Blue Cross may
be able to direct consumers to the risk pool in the individual state if
the state has a risk pool.
http://www.healthinsurance.org/riskpoolinfo.html
Lousy site - gives textbook definition of risk pool and link to
insurance sales site |
| First of all, there may be a law in your state regarding this, but most
likely the reason is that this is the insurance companys policy.
Insurance companies have to file their rules and rates with the state
department of insurance. When they go back on one of their rules, and
dont have justification to, it looks really bad when the state audits
them. So, when asked, they just say its the law. |
| 5. Another case of cash-paying customers being screwed: Rite Aid
used to program their cash registers to surcharge prescription
drugs $1 if the customer didnt have insurance. This wasnt an
accident; it took work to implement since it involved checking
another database in real time. Ref: Computerworld, Feb 26, 2001. |
| 3. Concerning the comment about reading the contract, that would
be nice if the insurance company would let you. Unfortunately,
all the important parts are confidential. Im talking about what
theyll actually pay for a specific service. That is, suppose
youre unconscious and go to the doctor. You wake up long enough
to ask his fee, say $200, and remember to ask whats not covered,
say ambulance, emergency room, who knows what. Ok, are these
amount within your policys guidelines? Ask your company, if you
can. Remember that many hospitals ban cell phones. The company
wont tell you. You wont find out until you submit the claim. |
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