Dr.Traveler
Mathematician
- Aug 31, 2009
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I've had insurance company bureaucrats making health decisions for me! What recourse do I have?
Pay out of pocket for services and drugs the Insurer will not provide. You always have a choice. The real problem is that the Insurance policies, despite heavy regulation, are written so that a health insurer can weasel out of paying relatively easy. Even with legal council and the law on your side, the insurer can absolutely bury a lawsuit under enough legalese to tie things up until the party in question is dead, killed by the medical condition they bought insurance to help them with in the first place.
I've been fairly lucky in my dealings with insurance, but I've had family members that have had it so much worse. As soon as you introduce a pre-existing or long term condition, your relationship with your insurance provider changes dramatically.