Tuesday, August 4, 2009

“What About Disallows?”

....The Number-One Question to Ask Your Insurance Company....

You Probably Know the Insurance Term,preexisting condition.” That’s the term insurance companies use to keep from paying for health conditions that you already have.

Another Term for How Your Health-insurance Company rations your medical care is “disallows.”

What Are Disallows?

“Disallows” Are What Your Insurance Company Refuses to Pay For—even if your doctor says it’s part of the medical care you need.

If You Think the “Disallows” that Insurance Company A has are better for you if you need a liver transplant, while the “disallows” that Insurance Company B has are better for you if you have pancreatic cancer, then you are free to choose which policy is better for you and your family.

Which Diseases Are You More-Likely to Get?

If You’ll Get a Heart Condition, then Company C’s policy may be the one for you.

But If Your Child Might Get Muscular Dystrophy, then Company D’s policy may be right.

What's the Best Insurance Policy for Your Particular Family?

Insurance Policies Are Not the Same. You probably like the insurance policy you get from work right now. But what if your policy is not the right one for you? Can you change to a policy that better reflects your family's health-risk factors?

Which Policy Is the Best Insurance Policy to protect you against whatever medical conditions time and circumstances may throw your way?

Is Your Family History the Same as Your Spouse’s? In that case, the same policy–from Company E–may be just right for you.

If Your Family History Includes Cancer, but your spouse’s family has a history of heart disease, you might have to go with a policy from Company F—and hope that neither one of you ever has to use it.

Which Policy Is Best for You and Your Spouse?

And Is the Same One Best for Your Kids?

And the Most-Important Question to Ask Your Insurance Company:

Sunday, August 2, 2009

Why Americans Don't Hate Their Insurance Companies—Yet.

What Makes Most Americans Happy with their health insurance is that they haven’t had cancer or any other major life-changing disease. They haven’t experienced their insurance company “rationing” health care by refusing to pay portions of hospital bills. Such as those items that the insurance company “disallows.”

Your Insurance Company Currently rations your medical care. It gets between you and your hospitals and doctors. The insurance company negotiates what it will pay for and how much they will pay for it.

Your Insurance Company Has a Profit Motive to keep from paying for all the health care that you need.

Those Opposing Health Care Reform Call It “Rationing.” That's how they describe what your insurance company does right now.

What Your Insurance Company Won't Pay, the hospitals and doctors come after you. In the case of life-changing diseases, these unpaid charges can total tens of thousands of dollars, or even more.

But That Hasn't Happened to You Yet. You're still happy with the insurance you have now.

What Will Your Insurance Pay for If You Get Cancer or some other major disease? What will they refuse to pay?

What Will Your Doctor Prescribe for You, that your insurance company won't pay for?

Ask Your Insurance Company about “Disallowed” Items.

Have You Compared These Items with those of other insurance companies, to see which one is better for you? Are you protected for cancer, but not for muscular dystrophy or diabetes? Are you protected for muscular dystrophy, but not for multiple sclerosis or Lou Gehrig’s disease? And how about macular degeneration? Are you covered for that?

You Can’t Know What to Insure Against, until it’s too late.

But Your Insurance Company Has to Insure You in a way that keeps it from going bankrupt–and in fact, your insurance company needs to show a profit of some kind.

And the Doctors and the Hospitals Have to Stay in Business. They can’t just write off all of the charges that insurance companies and patients don’t pay. So they find other, creative ways to spread the cost around.

In America, If You Pay Your Own Medical Bills, you usually pay a lot more than your insurance company pays for the same treatment. Up to 70% more for the same treatment.

Meanwhile, Our Government Pays out the Billions of Dollars in treatment provided for those without insurance.

The System Is Broken. You just don’t know it yet.

Lucky for You, your family is healthy. You don't have any kind of catastrophic medical situation—