I am a former Managed Care Executive and I want you to abet me write my bring up to date adjectives book?
What do you want to know about the form insurance industry? All responses will be considered as chapters surrounded by the book. Free copy of the book to all who respond.
Answers:
it is honourable if you can categorize and tabulate the products.
1. Room & Board , number of days
2. ICU, number of days
3. Limit/Annual Coverage
4. Cover motherliness ? Dental ?
5. Day care surgery
6. Exclusions
7. Layman explanations to adjectives those above
8. Premium, Deductibles, co-pay , create a way & sort it easier for consumer to make the outcome at glance w/o reading adjectives the details.
My clan has almost 150 years in the insurance industry. I remember when manage care be really first introduced. I told them I did not like it. Look where on earth it is now. I will relieve in any agency I can. My favorite is having nurses review doctors resume and deny the coverage, even when they have little to no culture of the procedure.
Interesting web site. I am looking forward to the book.
EDIT: Just have lunch with my wife. She be on meds to lower - I can't remember right now. Got the most modern lab results on Saturday and the level is presently on the low side of normal. Nothing something like staying on the med or stop and follow up. Nothing. She called today and have to ask for instructions, as she would need an fresh prescription if she was to verbs. All she was told is that you COULD verbs with the meds OR follow up near PCP. Lack of communication is getting worse here.
As an independent agent I know that there is greatly of mis-information out there, which is why I'm on this forum. Many citizens are just shopping for price and assuming that adjectives policies are the same. Case contained by point is the first answer to your question. That being has a hospital ticket instead of a major medical, probably because they any didn't take the time to become conscious the policy (especially if they bought it on-line) or they were not completely informed by the agent.
People also lurk until they need to draw from medical care back purchasing a policy. Many believe that they can just purchase a policy lacking underwriting today and use it tomorrow; and are afterwards upset because they're declined or they hold a pre-existing condition clause and/or a rider.
Many people are also suckered into the medical discount cards.
Most of the complaints (other than price) that I hear is going on for the policy not covering something. Many people infer that insurance will cover everything with no precincts. Granted, the insurance companies make it difficult and really few people read the exclusions.
please explain that some ins. will cover and some will not
and explain how on some ins. policies only cover 50,000 a year and it take 8 months for you to find out they quit paying, and now you owe 280,000 within bills.