Re: My Dad was dropped by his health insurance company because of obamacare.

i am glad they were able to catch it!

Re: My Dad was dropped by his health insurance company because of obamacare.

Posted by BriBri2u

I'm sorry your Dad is going through this

However, Obamacare has nothing to do with this.

I worked in the billing department of a well known Cancer Hospital in the city and let me tell you if the Devil walks the earth it is in the form of Insurance companies!

They are pure evil and you cannot even beginning to imagine what they will do to save a $1 their way!

I saw people get denied chemo therapy because the insurance company felt that it was an experimental treatment. They should have used a non experimental treatment

I have seen children get denied treatment because the insurance company felt they were more likely born with a pre-existing condition therefore, they did not need to cover it. - THIS one killed me, it was when I was working the Peds accounts and it was my breaking point.

Having to call parents up and tell them they owed us $50,000 for their son's treatment because both their insurance companies denied the claims.

I had insurance companies tell me that according to the medical records, the patient shouldn't have been treated for cancer. They should have gotten a 3rd opinion before starting treatment - claim denied!

This position put me over the edge and I had to leave because I couldn't deal with speaking to insurance companies every day. Speaking to people who didn't even live in the US and spoke terrible English while reading straight from a manual on what to say. It was unreal!

Message edited 10/4/2012 11:28:42 AM.

Re: My Dad was dropped by his health insurance company because of obamacare.

Re: My Dad was dropped by his health insurance company because of obamacare.

So sorry for your father. He's not alone. I think its great he pushed for his own health and even BETTER that he was able to afford the test. I hope he gets the treatment he needs.

As a survivor of 9/11 I inhaled asbestos. Really went un-noticed until AJ was born. I had some issues and one of the many tests came back with a scar in my lung. I had to 'watch it' and get another CT scan. I got one the next year and it grew. Then the following year I moved and obama changes were looming so my carrier (self insured through Aetna with my employer) denied the test. Same carrier I've had all 5 years. This year my doctor says i NEED the test. The fact it grew so quickly in a year and if it doesnt slow down it may become cancer.

I can't afford it.

So if I cough too hard too much my husband frowns at me and we both stare at my daughter.

Currently my insurance says its unnecessary. I will have a chest xray done (as soon as I can afford THAT) and if its more than 10cm (I think i got that measurement right) than it will show up there, if not then I may have to wait until next year and use some FSA to pay for a CT scan.

oh and did I mention? I can't say it is EXACTLY related to 9/11 so that I could keep getting service since THIS insurance wasn't my insurance at the TIME of 9/11.

Re: My Dad was dropped by his health insurance company because of obamacare.

I'm so sorry that happened to your dad!!

We're living in a scary world these days...I don't think either candidate is going to do us much good

Re: My Dad was dropped by his health insurance company because of obamacare.

what provision of "obamacare" (which hasn't completely taken effect yet) caused this?

Re: My Dad was dropped by his health insurance company because of obamacare.

In case anyone wants to read it

http://housedocs.house.gov/energycommerce/ppacacon.pdf

Re: My Dad was dropped by his health insurance company because of obamacare.

Re: My Dad was dropped by his health insurance company because of obamacare.

Posted by BriBri2u

I'm sorry your Dad is going through this

However, Obamacare has nothing to do with this.

I worked in the billing department of a well known Cancer Hospital in the city and let me tell you if the Devil walks the earth it is in the form of Insurance companies!

They are pure evil and you cannot even beginning to imagine what they will do to save a $1 their way!

I saw people get denied chemo therapy because the insurance company felt that it was an experimental treatment. They should have used a non experimental treatment

I have seen children get denied treatment because the insurance company felt they were more likely born with a pre-existing condition therefore, they did not need to cover it. - THIS one killed me, it was when I was working the Peds accounts and it was my breaking point.

Having to call parents up and tell them they owed us $50,000 for their son's treatment because both their insurance companies denied the claims.

I had insurance companies tell me that according to the medical records, the patient shouldn't have been treated for cancer. They should have gotten a 3rd opinion before starting treatment - claim denied!

This position put me over the edge and I had to leave because I couldn't deal with speaking to insurance companies every day. Speaking to people who didn't even live in the US and spoke terrible English while reading straight from a manual on what to say. It was unreal!

Re: My Dad was dropped by his health insurance company because of obamacare.

Posted by SweetTooth

Posted by BriBri2u

I'm sorry your Dad is going through this

However, Obamacare has nothing to do with this.

I worked in the billing department of a well known Cancer Hospital in the city and let me tell you if the Devil walks the earth it is in the form of Insurance companies!

They are pure evil and you cannot even beginning to imagine what they will do to save a $1 their way!

I saw people get denied chemo therapy because the insurance company felt that it was an experimental treatment. They should have used a non experimental treatment

I have seen children get denied treatment because the insurance company felt they were more likely born with a pre-existing condition therefore, they did not need to cover it. - THIS one killed me, it was when I was working the Peds accounts and it was my breaking point.

Having to call parents up and tell them they owed us $50,000 for their son's treatment because both their insurance companies denied the claims.

I had insurance companies tell me that according to the medical records, the patient shouldn't have been treated for cancer. They should have gotten a 3rd opinion before starting treatment - claim denied!

This position put me over the edge and I had to leave because I couldn't deal with speaking to insurance companies every day. Speaking to people who didn't even live in the US and spoke terrible English while reading straight from a manual on what to say. It was unreal!

I'm very sorry for your dad, but I have to agree as well. None of this had anything to do with Obamacare. Your dad's original insurance company probably would have dropped him regardless - since 2009 he had become too "expensive." Because of Obamacare, your dad was able to get new insurance. In the old days, he would have been denied new insurance because of a preexisting condition.

The test not being covered is due to the evilness of the insurance companies, not Obama's plan.

Message edited 10/4/2012 1:42:37 PM.

Re: My Dad was dropped by his health insurance company because of obamacare.

Re: My Dad was dropped by his health insurance company because of obamacare.

I'm sorry about your dad and hope that he remains healthy.

Everything has positives and negatives to it.

My mom has heath insurance because of Obamacare. Before it came to be, insurance companies wanted $1200 out of pocket per month to insure her and only 1 would bc she has high blood pressure, a pre-existing condition.

Once Obama's healthcare plan came to be, she was able to get coverage at a much more afforble rate. She works part-time and my dad retired. She's too young for Medicare. Your dad still has insurance, bc insurance companies can no longer exclude him. My mom on the otherhand suddenly found herself as one of the nation's many uninsured individuals until Obama's healthcare reform.

Insurance companies are a big part of the problem. At the end of the day he is still insured.

Re: My Dad was dropped by his health insurance company because of obamacare.

I agree.. it's not obamacare.

When I go for my annual ob/gyn checkup I always get a reg. pap test and a HPV test since i've come up positive for it before. There's never been a problem but all of a sudden last year I was denied coverage for that test because the insurance company thought there was no reason for me to have that test since i've never had cancer before. They suggested I get the HPV shot instead of the test even though I'm about 4 years over the recommended age for that shot.

I got a bill for it, called to complain, got another bill for it... and just ignored it. A year later I haven't heard a word.

My mom also went for a recent colonoscopy and was denied coverage for that also. She must have called a million people to fight the charge and ended up winning.

There have been problems with insurance companies and coverage long before obama.

To the OP, I wish your dad the best.

Re: My Dad was dropped by his health insurance company because of obamacare.

Re: My Dad was dropped by his health insurance company because of obamacare.

Posted by LittleBlueBug

I am so sorry to hear this.

Obamacare has also resulted in extensive caps for services there was no caps for. For example allied health. If a person suffers a stroke and needs OT/PT/and Speech, services are now capped and PT and speech are combined now, so patients only get half the cap for PT, half for speech. The result is seniors are not getting what they need.

I hope your dad gets better soon. Not many seniors can pay for a PET scan themselves. Especially with all of the prescription donut holes now. My dad had to pay hundreds for one of his meds. It's not right.

Re: My Dad was dropped by his health insurance company because of obamacare.

Posted by sfp0701

Posted by LittleBlueBug

I am so sorry to hear this.

Obamacare has also resulted in extensive caps for services there was no caps for. For example allied health. If a person suffers a stroke and needs OT/PT/and Speech, services are now capped and PT and speech are combined now, so patients only get half the cap for PT, half for speech. The result is seniors are not getting what they need.

I hope your dad gets better soon. Not many seniors can pay for a PET scan themselves. Especially with all of the prescription donut holes now. My dad had to pay hundreds for one of his meds. It's not right.

I could be wrong but, I am an SLP and I am pretty sure that the cap has been there for speech (shard with PT) for at least 10 years. OT gets it own cap. Again, I don't work with adults but, I am almost postive that the cap has always been there.

Re: My Dad was dropped by his health insurance company because of obamacare.

Posted by BunnyWife

Posted by BriBri2u

I'm sorry your Dad is going through this

However, Obamacare has nothing to do with this.

I worked in the billing department of a well known Cancer Hospital in the city and let me tell you if the Devil walks the earth it is in the form of Insurance companies!

They are pure evil and you cannot even beginning to imagine what they will do to save a $1 their way!

I saw people get denied chemo therapy because the insurance company felt that it was an experimental treatment. They should have used a non experimental treatment

I have seen children get denied treatment because the insurance company felt they were more likely born with a pre-existing condition therefore, they did not need to cover it. - THIS one killed me, it was when I was working the Peds accounts and it was my breaking point.

Having to call parents up and tell them they owed us $50,000 for their son's treatment because both their insurance companies denied the claims.

I had insurance companies tell me that according to the medical records, the patient shouldn't have been treated for cancer. They should have gotten a 3rd opinion before starting treatment - claim denied!

This position put me over the edge and I had to leave because I couldn't deal with speaking to insurance companies every day. Speaking to people who didn't even live in the US and spoke terrible English while reading straight from a manual on what to say. It was unreal!

I agree. Sorry about your Dad, but this has to do with the evilness of the health insurance industry, not anything to do with Obamacare.

Re: My Dad was dropped by his health insurance company because of obamacare.

So sorry about your dad. TONS of prayers



But many posters are correct, it has absolutely nothing to do with Obamacare.

I have health insurance because of Obamacare.


Here's to your dad's recovery.

Re: My Dad was dropped by his health insurance company because of obamacare.

Thank you all for the prayers and well wishes.
Being in the dental field my entire life I am very aware of how sinister insurance companies are. I understand why Oxford denied the test and I understand they do it everyday.
However Mr obama PROMISED that people that have always purchased their own private ( sometimes excellent) insurance like my dad ( who by the way has employed and paid health insurance for hundreds of long islanders in his 40 years in business) has now lost the thing he needs the most! He said people like my dad would have " more secure benefits" and that if people that are sick like my dad get dropped thy could still find excellent coverage elsewhere because other companies have to pick them up. That was not the truth.
No matter how much my dad is willing to pay he can't get what he had.
This a president that promised his plan was fair for all! My dad pays tons of taxes on himself, his business on behalf of his employees, his has paid into unemployment and disability on befalf of all of his employees, yet if his business goes under tomorrow (which is becoming closer to a reality as the administration strangles the life out of small businesses) he isn't even eligible for unemployment insurance. Now this administration that claims to be pro-small business and pro- middle class creates a system that is at least partially built on lies.

http://factcheck.org/2012/06/romney-obama-uphold-health-care-falsehoods/

You don't have to agree with me, but you also wont change my mind.

Message edited 10/4/2012 6:33:00 PM.

Re: My Dad was dropped by his health insurance company because of obamacare.

Prayers to your father and family.

I want to sincerely thank you for sharing your story. As a nurse I am horrified of the changes that Obamacare has made in just a few short months. As a patient who was diagnosed with cancer at 30 years old (I'll be considered a survivor in March 2013!) I am scared of the battles that I may have to face in the future with my insurance company as my type of papillary carcinoma is well know to return even 40 years after it's initial cure and I will require life long monitoring.

Re: My Dad was dropped by his health insurance company because of obamacare.

I am going to be honest and say that I don't really 100% understand 'Obamacare' or all of the million little details contained therein. I have read about it and I understand parts of it.. but as a whole functioning entity, I am still in the weeds.

BUT.. as a regular person I have seen a lot of negative changes in the last few years relevant to healthcare.

The costs have skyrocketed. Many insurance companies have pulled out of the small business market.. Empire being the most recent to withdraw in the NY market. The premiums are MUCH higher than they had been a few years ago.. and the limits are much more stringent. Most of the 'more reasonably' priced plans have gatekeepers.. and those that don't have tiny networks or else high deductibles and co-insurance. Small businesses can't afford the same level of investment that they had been paying toward contributory plans so more burden falls on the employee. And if the employee doesn't like it, well they can look for another job. And good luck with that in this rotten economy. Which cycles right back into the reality that job security is low, cost of living is high, small businesses are suffering and the middle class is disappearing FAST.

I don't know what to think and I don't want to point fingers or place blame because that's a useless exercise. But I do know that things need to turn around. They have to change. They must change.

My Dad was dropped by his health insurance company because of obamacare.

I'm sorry for what your dad is going through.

I don't know if it's due to Obamacare but I have to question any government plan where they exempt themselves from having to participate (which, by the way, is against the law but somehow they get away with it). If it is such a wonderful plan, why did Obama and Congress exempt themselves? Doesn't sound right to me.

Re: My Dad was dropped by his health insurance company because of obamacare.

Re: My Dad was dropped by his health insurance company because of obamacare.

My Dad was dropped by his health insurance company because of obamacare.

When HIPAA was signed into law, the insurance companies used it to incite fears of raised premiums citing raised costs from having to cover people under the portability portion (like if you leave job A and lose insurance for less than 63 days your new group insurance can't use preexisting clauses etc) AND for the coding, electronics part and even the privacy stuff. If the wind blows the wrong way, they'll use it as an excuse to raise premiums. They'll raise premiums every year regardless. Why? Because they can.

And why is it Obamacare when it is modeled on the system ROMNEY instituted in Mass? I guess that bugs me more than anything.. Romney saying how he'll repeal it but it was good enough for the people of MASS? That doesn't make much sense to me.