My Health-Care Story: A Controlled Experiment
By Tom Smerling
When my father died last year, I inherited a 15-inch stack of medical bills. I sorted it into two piles: Medicare vs. private supplemental insurance.
The Medicare statements, I quickly discovered, required zero work. They were all paid. Amazed, I simply threw them away.
In contrast, the private insurer tried every trick in the book to deny coverage. I spent countless hours studying arcane denial codes, phoning the insurance company, waiting on hold, wrangling with the company’s representatives, and faxing and re-faxing documentation, all while fending off increasingly threatening bill collectors. After months of fighting, the private insurer finally paid up.
It was like a controlled experiment: Same patient, same costly treatments, same excellent doctors.
Which was better? The government-run insurer that simply paid the bills or the private insurer that fought me tooth and nail?
The private insurer was more efficient at only one thing: denying claims. If I were eligible for Medicare or a new public plan, I’d sign up today.
Posted by: ad4hk2004 | September 2, 2009 12:21 PM | Report abuse
Posted by: rag4w | September 2, 2009 1:00 PM | Report abuse
The comments to this entry are closed.