"Insurance and do not use you."
must be somehow attract the trouble and problems, because otherwise the thing is difficult to explain. It is also likely to be me with my attitude of not allowing teased me make things that people accept as normal to me look like a hit and not fall into the indifference and conformity. I have many years
monthly defraying the cost of private health insurance. Three of the four people who make up my family and we quote regular monthly Social Security, so private health insurance should not be needed. The primary reason for the extraordinary costs is a matter of hours and the theoretical possibility of selecting a doctor when we come better. In the more than twenty years I've been with this type of insurance subscribed, thanks be to God, we have used little or very little, but those things are even questioning the arrival of the bill, go month after month without leaving the decision to end it.
Throughout these years I have had no qualms in undertaking a number of times the paperwork to switch companies. After the doctors are virtually the same in each other and the background is the feeling that if the problem is severe end up going to Social Security. The company last change occurred early in the year 2011, motivated by two reasons: a brutal climb in these times of more than 20% the company announced Previous (SANITAS) and an offer through my professional association by the new (ASIS).
From experience in these changes, one of the questions that need to affect the issue of vesting periods. Insurance companies are very smart and are always the small print on these issues where they do not want to carry above problems. Before deciding to go ahead with the new carrier, I was assured by active and passive to proceed, and document, from another company with the same seniority, the qualifying period of implementation was not me, so would have full rights from day one of effectiveness of the policy.
And so it proved, no grace period but there is "something else" whose name I have not learned even though I have repeated a few times. For a small cyst I have gone to the doctor. After a series of treatments with creams the doctor has decided to surgically remove the granite to follow not annoying. Here the problems have started, since this type of intervention must be authorized "expressly" for the company. 17 days I've been fighting over the issue without getting a solution, being sick for some and for others, until I learned that actually I have no grace period but if I have time to "do not know why."
My first attempt was through Internet services. After a couple of days of waiting after having sent all the documentation, a brief email informing me that it was not possible to perform authorization via internet and had to make a phone call to 902 (those of all our operators are busy) . After the attempt and the usual wait, I report that I send a fax or e-mail attaching the document that the doctor has given me and my insurance card. The card sounds like a joke, as if they had me on their records, but asked not to be.
Three times I sent the email without receiving a reply, so again call the 902 (all operators "were" employees). Here the lady that served me misses an assertion that turned my alarm, "is that your policy is less than one year old." I mention to have no grace period but very elusive tells me something else, actually I have no grace period but if I have "period not know why."
As we approached the date of the speech, I person at the offices of the insurer to be seen face to face. There, after more than fifteen days of telephone and internet dizzy discovers the cake: my policy is less one year old and we must send a report to the doctor, who fills it out, return it to the offices of the insurer and reviewed by the examining doctor to see whether or not appropriate authorization.
Come on, I have no grace period, but I have this other thing with which to continue in this company have to be paying religiously a year before I be lifted that condition and has full rights. That theory, as some could invent and get another twist. The thing has not been there since I have gone immediately to the appropriate department to process my floor, I do not wish to continue in a company that makes me feel Angang, but adds that it is not the first time, for many years previously and had another episode with them that helped me decide on a change of scenery. It turns out that I can not terminate until December 31 because it is a policy of "special conditions" and I have to keep swallowing. Take that. There is always the option to restore the receipts and entropy in their administrative processes, but I guess that will end up getting into the RAI or any of these, if not I'm already on my fights with them and with others.
We return to business as usual, lack of information, not call it cheating, continues to chair the fatal relationships with companies. Not if you make sure endlessly about things you know you can avoid the outrages, and are responsible for inventing and hide other to put everything in its favor and against the customer. I wonder how many policyholders dropped out earlier this year of the previous company for the 20% rise. Sure they were few and the total counting the company earned a good euros. And the cost of his image could not care less, in the end users or customers is all we can go looking for the least bad, because it gives me the impression that there is no good.
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