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Post by jamielynn on Feb 17, 2017 21:25:47 GMT
That sounds incredibly frustrating! I hope you figure it out soon.
I wonder if the new plan requires a referral for those services since you are new to them - or you to go somehwhere they cover vs. where you are established patients?
When you mention pre-ex; I think when you are self insured some state laws still allow the denial for pre-ex on an individual plan and plans under 50 employees vs group plan like you having him on your coverage as family.
Maybe one of the more seasoned HR ladies know more on that. It's a very dated law from the 1940s I believe. (Which is interesting as I feel like the terms would be newer than things they thought about 70 years ago).
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Post by jumperhop on Feb 17, 2017 22:30:28 GMT
Ugh!! I feel your pain! I had to switch insurance in Jan. I had to cancel an apt with my neurosurgeon in Jan because the new insurance company didn't do my paperwork until Jan 25th. I spent the entire month of Jan calling twice a week begging them to do my paperwork. Once we finally got our insurance cards I couldn't see Neurosurgeon without a referral from a primary care Dr which I don't have. I called the Drs on the list from my insurance company and they aren't accepting patients and are on a 6 month wait. My father finally had to make some phone calls to get me in. All for the going rate of $700 a month. jen Wow - what a pain. My insurance plan some years ago required a referral from a PCP to see a specialist, which for me was ridiculous. It was wasted time (on my part and the PCP) and money to go to an office visit just to have the doctor say yes, you need a specialist. My plan now doesn't require a referral. And even if it did - I can't believe you had to wait that long for a PCP. Is it because the in network doctors on your insurance are severely limited? Seems so wrong to require PCP then not have enough PCP doctors. The reason for a 6 month wait is that there is a shortage of PCP in my area. I get the need for for referral but, in my case since this was a year follow up appointment for a brain tumor I had last year I was a bit irritated with all the loops I had to go through. It all worked out for me, and I am very grateful for that. But it makes me sad for all the people out there who don't have Dad's who know who to call. Jen
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Post by georgiabeachbum on Feb 17, 2017 22:32:56 GMT
Hubby retired and we transferred the company to all me. We only continue with supplying current customers. So semi retired. DH has Medicare and supplemental. We had planned for everything except my insurance almost tripling. I have pre-existing back and knee surgeries so no insurer will touch me. Obamacare silver plan $650 a month with $6000 deductible. Of course we don't get any subsidies. Georgia has very limited plans available. Something has to change.
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Post by twoboyzmom on Feb 17, 2017 23:05:44 GMT
Thanks for all the replies..and my heart goes out to those in similar situations. I'm just so frustrated, and won't let it slide. I wish now I'd gone with a local agent. The one I used is now telling me "we went over all questions".....no. you told me to say no to all questions, otherwise probably wouldn't have been approved
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