Insurance companies

[DOUGMCGEEFTD]

I was gettin ready for my surgery called the insurance company and they said i had a 2000.oo out of pocket per year max. i said ok cool. hospital called before surgery same thing ok cool. Started adding up what i done paid out came up to 3300.00. So i called to see what was going on now they tell me i have a 5k out of pocket max and have had that for 2- years now. Called the HR dept at the plant and everybody was gone on friday afternoon but man that just pizzes me off. I done paid that but somebody should owe me some change

[JOHN202]

you've been had, they should pay you back, but you know how that goes.

[Javarude]

Sounds like a typical insurance company , say one thing and do another.

[jcdogfish]

It may not be the insurance company, it could be that the hospital/Dr. did not file all your claims yet. It happened to me with my son. Had to pay almost 5k up front for a surgery and had already met my deductible. The previous charges were not approved by the insurance co yet and the hospital was behind on filing some of the new charges. Took me 8 months and a lot of phone calls to get MOST of the 5k back, you know they are gonna screw you out of some of it. I'll second it"DAMN INSURANCE" If I didn't need it I would sell my company and live on the water somewhere(close to hunting,, and shopping for the wife)

Also something else to watch for. If your doctor or hospital is out of network they can charge you the non discounted fees, not the negotiated insurance fees. That also applys to any place test are taken that your dr sends you to. So even if your doctor or hospital is covereed, the place you get test done may not be in network. You now have to evencheck that out.

[DOUGMCGEEFTD]

No they filed them all its my out of pocket max for the year that has changed!!!!!!! Hospital called before surgery, i called and plant handbook says 2k but hand book leaves the ole subject to change in the terms clause.

[iron banks]

Ins co have a license to steal.

[DOUGMCGEEFTD]

<table width="90%" cellspacing=0 cellpadding=0 align=center><tr><td>Quote, originally posted by iron banks &raquo;</td></tr><tr><td class="quote">Ins co have a license to steal.</td></tr></table>

yep all of them kind of like the oil companies latley