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A comment on Healthcare.gov crashes on the last day before deadline. Parent comment

Re:Healthcare.gov crashes on the last day before deadline by joshontheweb on Monday March 31, 2014 @10:25AM (#7501624)
A lot of my resistance is due to the fact that I've been burned in the past by the fine print and ended up having to pay 80% instead of the agreed upon 20%. If I truly trusted that the insurance company would be there for me when I need them, I would have a different approach. As it stands I paid monthly insurance premiums + deductible + most of the bill. No thanks. I'll take my chances on my own.

Edit: For clarity, the insurance company decided to pay 80% of what they claimed the procedure was worth, not what it actually cost. Apparently there was something in the fine print about that.

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Re:Healthcare.gov crashes on the last day before deadline by aestra on Monday March 31, 2014 @10:31AM (#7501655)
>If I truly trusted that the insurance company would be there for me

I don't believe they will be there for me either, and I've been burned before too. That's one of the reasons why I don't support the ACA. However, making others take on your risk is any sane solution. You are just shifting the burden to others.

> As it stands I paid monthly insurance premiums + deductible + most of the bill

You can appeal and appeal and appeal, then go to your state insurance board. This is a government required right. There wasn't any reason to just accept what the insurance company told you. You can even get an external review. Over 90 percent of insurance decisions are reversed on appeal.

Just several phone calls sometimes resolves the issue. I've been on the phone so many times I've practically gotten them on speeddial.

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