Comments on: Health Insurance in America http://ourfamilyblog.wagooh.net/2008/07/27/health-insurance-in-america/ Mon, 19 Jul 2010 02:52:14 -0700 hourly 1 http://wordpress.org/?v=abc By: Tanya http://ourfamilyblog.wagooh.net/2008/07/27/health-insurance-in-america/comment-page-1/#comment-25 Tanya Mon, 28 Jul 2008 21:25:09 +0000 http://ourfamilyblog.wagooh.net/?p=42#comment-25 Here I am 33 and for the past three years on state assistance to pay for my health insurance premiums. I can't leave the plan I am on cause of what are now considered pre-existing conditions. I every year would call down to the state agency for assistance and guidance in my application. This year especially I needed help because I didnt want to break the rules and get denied the states assistance. I did what the women on the phone told me. They also told me that the person I should talk to was unavailable. That I couldn't talk to the people who really knew the answers only them. I did what they told me. I was denied assistance by the state. I appealed and the states "independent" person in the department said she could not believe what I wrote and did not do an investigation as a result. She basically, and where she didnt say it said it all the same, thought I was lying. I wrote a letter to her manager which ticked her off and was the only reason she called. After that I took the appeal process farther. And now it stands that even though they lied to me, misrepresented, did not give me ALL the details they should have over the past three years...I am still denied assistance from the state. It doesnt matter that it is a serious matter and they are now forced to change the rules, policies, procedures, methods of dealing with members and changing things to reflect real life situations...I am still denied. I dont know if I still have the option of going before a judge and pleading my case. The one woman told me that the judge gets all the information and decides without talking to me. That the judge will talk to them but not me. I did what they told me to do. Had they been honest with me I would not be in this position. Now I am faced with paying the entire premium on my own. Because of my pre-existing conditions I dare not leave the plan I am on. Not even to go to a group plan. So the agency that is supposed to be there to help people in effect sided with big business. I dont know what they thought but I got screwed in the process. There is one manager there that is trying to think of a way to make this up to me since I think they have proof of the conversation in which I was lied to. I think they said that one day on the phone. Either way I really thought the state agency founded to help people in my income bracket with health insurance would do just that. Only I was wrong. Here I am 33 and for the past three years on state assistance to pay for my health insurance premiums. I can’t leave the plan I am on cause of what are now considered pre-existing conditions.

I every year would call down to the state agency for assistance and guidance in my application. This year especially I needed help because I didnt want to break the rules and get denied the states assistance. I did what the women on the phone told me. They also told me that the person I should talk to was unavailable. That I couldn’t talk to the people who really knew the answers only them. I did what they told me. I was denied assistance by the state.

I appealed and the states “independent” person in the department said she could not believe what I wrote and did not do an investigation as a result. She basically, and where she didnt say it said it all the same, thought I was lying.

I wrote a letter to her manager which ticked her off and was the only reason she called. After that I took the appeal process farther. And now it stands that even though they lied to me, misrepresented, did not give me ALL the details they should have over the past three years…I am still denied assistance from the state. It doesnt matter that it is a serious matter and they are now forced to change the rules, policies, procedures, methods of dealing with members and changing things to reflect real life situations…I am still denied.

I dont know if I still have the option of going before a judge and pleading my case. The one woman told me that the judge gets all the information and decides without talking to me. That the judge will talk to them but not me. I did what they told me to do. Had they been honest with me I would not be in this position.

Now I am faced with paying the entire premium on my own. Because of my pre-existing conditions I dare not leave the plan I am on. Not even to go to a group plan.

So the agency that is supposed to be there to help people in effect sided with big business. I dont know what they thought but I got screwed in the process. There is one manager there that is trying to think of a way to make this up to me since I think they have proof of the conversation in which I was lied to. I think they said that one day on the phone. Either way I really thought the state agency founded to help people in my income bracket with health insurance would do just that. Only I was wrong.

]]> By: Lee Leikam http://ourfamilyblog.wagooh.net/2008/07/27/health-insurance-in-america/comment-page-1/#comment-24 Lee Leikam Mon, 28 Jul 2008 20:08:20 +0000 http://ourfamilyblog.wagooh.net/?p=42#comment-24 and i'm a 63 year old (or 64) who hasn't had health insurance for many years ... and i've needed it. I've been stupidly sitting thinking... we'll start making money and I'll go buy us some insurance ... now i read your information and realize ... even if I won the lottery... I may not be able to get health insurance. Awhile back I saw a headline: "Third World Country Makes Basic Health Care Available to All" .... Basic Health care... My wife and I could use some of that... but we can't go to the doctor and I'm not an illegal immigrant so I can't just run to the emergency clinic cause I woke up in the middle of the night with chest pains ... or a couple of years ago fell on a wet slick step and hit the back of my head on the top step creating what sounded like a broken neck .. with serious pain and all the hallmarks of a broken or cracked neck... I've worked my entire life and raised kids all who are fighting for health care rights and gettin slapped in the face by the companies... Listen to the Republicans keep Health Care in the hands of the insurance companies and keep destroying the basic American...the working class American. Or listen to Jesus and reach out and help not just the poor but us middle class folks ...... or am I dreaming ... was it that we were once middle class... ohhh yeah .. that was when I could go to the doctor; fill my gas tank and make a house payment and maybe once or twice a month go out to eat or catch a movie ... maybe we are now less than Third World ... maybe we're all poor and haven't recognized it. Thanks George W and all your rich Radical Republicans.... GOOOO OBAMA! Lee and i’m a 63 year old (or 64) who hasn’t had health insurance for many years … and i’ve needed it. I’ve been stupidly sitting thinking… we’ll start making money and I’ll go buy us some insurance … now i read your information and realize … even if I won the lottery… I may not be able to get health insurance. Awhile back I saw a headline: “Third World Country Makes Basic Health Care Available to All” …. Basic Health care… My wife and I could use some of that… but we can’t go to the doctor and I’m not an illegal immigrant so I can’t just run to the emergency clinic cause I woke up in the middle of the night with chest pains … or a couple of years ago fell on a wet slick step and hit the back of my head on the top step creating what sounded like a broken neck .. with serious pain and all the hallmarks of a broken or cracked neck… I’ve worked my entire life and raised kids all who are fighting for health care rights and gettin slapped in the face by the companies… Listen to the Republicans keep Health Care in the hands of the insurance companies and keep destroying the basic American…the working class American. Or listen to Jesus and reach out and help not just the poor but us middle class folks …… or am I dreaming … was it that we were once middle class… ohhh yeah .. that was when I could go to the doctor; fill my gas tank and make a house payment and maybe once or twice a month go out to eat or catch a movie … maybe we are now less than Third World … maybe we’re all poor and haven’t recognized it.

Thanks George W and all your rich Radical Republicans….

GOOOO OBAMA!

Lee

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