I’ve had three small, routine claims this year so far and that triggered the letter I posted here. More accurately, my daughter went to the doctor for a routine physical because that is the responsible thing to do.
I know that from an insurance company’s point of view, determining if they can shove off costs to another insurance company is the fiscally responsible thing to do and I understand subrogation. I used to buy insurance for groups of employees in a past life as an HR VP and I also understand insurance laws as a result of me selling medical devices in a past life. I get all that. Goodie for you, Anthem BCBS of Ohio, you are saving your shareholders money.
As a customer of your plan where you increased my premiums 21.8% last year and 18.2% the year before and consistently for the past seven years, let me tell you how I read your letter.
Dear Double-dipping pile of crap customer,
We think you are lying to us about what insurance plans you have and think you’re trying to stick us with the latest medical bill you generated. Since we have your nuts in our hand anyway, we’re going to make you jump through all these stupid hoops just because we can and you can’t do a damn thing about it because this is legal. And while we’re sending out this stupid letter, we’re going to hold up payments to your doctor until we get your response back. But it’s not likely we’ll pay any part of the claim anyway; we just like to watch you dance you miserable piece of crap.
Thanks for your money. And since you really don’t have much a choice in Ohio anyway, we really don’t care if we piss you off. You’ll come crawling back.
Have a really crappy day.
Faceless person blah, blah, blah.
Before anyone jumps in here and tells me that I should shop around and not buy from Anthem if that is the way they treat customers, buying individual health insurance in Ohio is like a torturer showing you the implements he is going to use on you and you picking out the one that will hurt the least and will kill you the fastest if used. Then hoping he’ll not ever use it. Anthem Blue Cross Blue Shield sucks, but the other choices suck worse.
And now insurance companies claim they have to raise premiums 20%+ to offset the costs of the Health Care Reforms passed earlier this year? What were the increases for last year?
And why again should we not be furious with health insurance companies? Is it the wholesale leeching or the blatant insults? Or is it a dread fear that our lawmakers who may be in power starting next year are entirely clueless about the state of health care insurance in HIS OWN STATE?? Please, somebody tell me as with my health insurance choices, I am literally dying to know.