|Insured – but No Pay!
It was during last winters stay at the Hot Springs that Bea encountered severe respiratory problems with pains in her chest. She asked me to drive here to the ER in El Centro. I got scared and was thinking the worst. It was already dark and because the bridge across the canal was closed we had to drive through the pitch-dark desert.
We had health insurance so the cost of whatever was coming our way would be covered – or so I thought. Bea was given all kinds of tests and it took 4hrs until she was released. The result was inconclusive as no medical reason could be found to be responsible for her problems. As we found out much later it was considered to be of psychological reasons or a panic attack.
After we got home we learned that the visit had racked up a bill of nearly $4000, which seems typical for the skyrocketing costs of U.S. health care. Anyway we were not worried – we had insurance so they would pay.
Yesterday, a full year later, we received a letter from the insurance company informing us that this claim was NOT eligible for payment. The reason given was that she was not HOSPITALIZED but only treated in the ER and that no medical reasons were detected.
Needless to say we were flabbergasted and deeply disappointed. After all, the same insurance company had just raised this winters premium with about 50%.
The question we’re asking ourselves now is how anybody could know or even suspect severe respiratory problems with chest pains to be of purely psychological reasons before seeking medical help. Also, it doesn’t seem clear that the diagnosis given that day was correct. At times Bea has had allergies and asthma-related problems.
Why I am writing this?
I think it should be a warning to all Canadian Snowbirds to really read the fine print and make sure that they have the right insurance company for the winter.
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