Health Insurance is a scam!?
Why is it that it seems like the insurance companies can control what character of care I need?
I progress to the doctor and I need a minimum of 4 weeks of treatment and they will only salary for 3 days?
I pay out of my butt for the top of the line insurance at my mission and still I get them telling me what I can and cant do!
If you have an HMO, that's the trade-off for a low/no deductible plan.
They aren't recitation you what you can do. They're telling you what they will PAY for. WAY different thing. Go ahead and gain the four weeks of treatment. Just pay the difference. Ask the doc to work out a cash price for adjectives the uncovered treatments.
I hear ya, its funny how adjectives these right wingers tell how good it adjectives is but yeah, its like "Thats a pre exsisting condition" " we don't cover that" . Don't even get me going on my prescription insurance.
Its similar to, if they cover it, it seems like a blessing. I a short time ago hope that nothing ever serious happens to me. I haven't be to a doctor in probably 2 years cuz my PPO makes me take-home pay out of pocket till I reach 400$ then its 80/20. So a Doctors stop by is like 100$. I still do keep the supporting insurance, I see it as bankruptcy protection.
Shop around for different insurance.
Answers: Insurance companies don't control what helpful of care you need--it's what your employer purchases! The insurance will only salary for what is covered in the policy, and they are limited by the benefits covered by the premium that the employer chose. Employers also inevitability to look at the big picture and try to get the best coverage for their employees that they can lacking "breaking the bank" of those employees.
Keep in mind, employer are not obligated to provide you with health insurance and likelihood are, if YOU tried to get the same coverage on your own, it would cost you ALOT more.