Are you one of thousands of individuals around the country each year that received a letter of rejection from your health insurance provider? You have been a faithful Empire Blue Cross healthy NY subscriber for a few years and this is the first time you submitted an insurance claim, right? You are probably sitting down, scratching your head because you were under the impression that you were covered for most medical incidents and now you are finding you are not. It may be too late, but you still want answers.
You made an appointment with your medical physician because you could not understand why you were suddenly feeling very tired and during certain times during the day you were experiencing dizzy spells. Once in a while is not an earth shattering experience as everyone does experience these feelings. The difference for you was that it was becoming an everyday occurrence and you believed it was time to be checked out by a medical physician. You did not give your health insurance NY a second thought because you thought you were covered for most of the cost, especially if it became necessary for a few lab tests and blood tests.
You have been an insurance subscriber for about eight years and never submitted a claim form before because you have been able to pay out of pocket for the minor incidentals. The medical physician conducted a few in house tests, but then decided he wanted you to drive over to the community hospital for further testing. Your hospital stay was not an all-day affair and within a few hours you left and drove back to your house. The medical physician called a few days later and asked you to come in and have a discussion. The medical physician has diagnosed you with prostate cancer, which was a shock for you to hear.
You took out your healthy NY insurance policy to see if you were covered because you already knew that cancer in any form is considered a pre-existing medical condition. You called the health insurance provider, and spoke with the receptionist and was told there was no reason why you could not submit an insurance claim. Now, with the letter of denial you are wondering how you will pay for the perpetual medication and treatments you will need to undergo.
Your health insurance provider is already aware of how expensive your medication and long-term medical treatment is going to be and the insurance provider is trying to operate a business. The healthy New York insurance policy you currently are subscribed will pay the insurance provider portion, but now you will have to fight for the right to receive assistance when you require it most. Look, the health insurance provider is in business to reach out and help individuals to the best of their ability, but they need to watch the bottom line or they will soon be out of business. When the health insurance provider is no longer able to remain in business, no one is helped.