HMM This is VERY interesting!!! Someone shared this with me and I thought I'd post it here...I did NOT know this!!

QUOTE:

As I work for a health insurance company. The insurance company is not actually who decides what is going to be covered and what is not. The company you work for decides when they are negotiating their contract. For example. the insurance company may present a package covering everything (preventative, accupuncture, therapy, etc) with a price depending on the demographic and # of employees covered. The company you work for negotiates from that point, and may drop just about anything that is not state-mandated in an effort to cut costs. They decide based on costs what your copay will be, what your deductible is, how many visits you get to the chiropractor, whether preventative is covered, and on and on. This is why two people may have insurance through the same insurance company but have much different benefits. Hope this helps.

So it's actually our JOBS fault we have crappy insurance!!!

When i had insureince (SP) it would not pay for birth controll. but they would pay for your pregnacey

Oh - don't even get me started on insurance. They won't pay for a lot of my meds, and no explanation as to why... My dad's insurance won't pay for his chemo treatments either - and they are really expensive. I don't think "good" insurance exists anymore....

Maybe I'm naiive or maybe I'm lucky, but I think my insurance is pretty decent. They've paid for my doctor's visits, tests, treatments, and medications leaving me only with copays of about $20 on average. I think some of it has to do with the fact that California has unusual laws concerning what insurance companies are allowed to get away with.

I hope I didn't just jinx myself.

Considering the amount of people that used the emergency room as a doctors office for their children or the family that came into the emergency room over a 16 month period all named Jose Morales with the same address and how amazingly none of them spoke english or ever paid a dime towards the incredibly huge hospital bills that were rung up (I know this from a family member that works in the hospital) I am not surprised that insurance is so outrageous although I am amazed that we still have insurance for alot of us.
Considering what the hospital has to charge to try and recoupe from the deadbeats and non-payers and the amount that they have to pay to try and get quality nurses, it is amazing we even have a healthcare system left in this country.

This is coming from a guy that has lost his house, 2 cars and everything else so I could pay my bills to attempt to stay alive through a disease that should have killed me and still might so I probably sound just a tad bitter in case you hadn't noticed.

I know..it really sucks when our Employers won't arrange DECENT coverage for us! BUT..they want us to take time off...NO PAY...IF we get sick! It doesn't make any sense to me at all

Right now, I'm under constant scrutiny at work. I think they are waiting for any excuse to tell me that because of my back , I am no longer doing my job up to their expectations

I know this because They are constantly on MY back about things that I know for fact that they let others slide on AND I'm highest paid in MY store!

Wow. How long have you known you had it? Is it in remission? What kind of pancreatic cancer? I'm so curious. Once again, feel free to ignore whatever questions you want. It's so unfortunate to hear that you needed to do so much to pay just for treatment. How did you handle the diagnosis? I'm sorry, I'll stop now.