Sneaky health insurance…

posted 3 years ago in Wellness
Post # 3
Member
10495 posts
Sugar Beekeeper
  • Wedding: January 2011

My insurance claims to cover diagnostic procedures & tests not covered by the public system.  Req forms generally state when something isn’t covered, as it’s a bit unusual.  They wouldn’t cover what I needed done, I went through the list of things on the req form that weren’t publically covered, none of those were covered by insurance either.  They couldn’t give me one example of something they would cover, when they tried it was all things I had done that are covered by the province.

 

Post # 5
Member
10495 posts
Sugar Beekeeper
  • Wedding: January 2011

@Deejayelle:  At least I don’t have to rely on them if I’m in the hospital or something though!

Post # 6
Member
687 posts
Busy bee

I’m going through this with my dental insurance right now. I went for a cleaning over the summer and they discovered 2 cavities, plus an old filling from when I broke a tooth years ago was starting to degrade, so I had to get that replaced. They made me take 2 separate appointments for all those things and each time I went I had to pay like $200 as a copay. The last time I went they told me I should make another appointment to get the other cavity filled before the end of the year because I still had insurance money left. I said no because I didn’t have another $200 for a copay.

Then I get this bill in the mail for $429! I gave it to HR at my work because I figured that’s what the insurance company was supposed to pay. Today I picked up my paycheck and got an envelope full of more bills from them. They want A THOUSAND DOLLARS from me. WTF. They said I exceeded my yearly limit or something. The last time I went they didn’t pay for anything. What is the point of paying into dental insurance every week and paying a high copay only to get slammed with another grand months later? Seriously, what did the insurance even pay for besides part of the cleaning? 

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