Friday, June 27, 2008

Health Insurance and how to milk a fat unwary cow...

After recently graduating and moving out of my parent's house I have come to appreciate my 18 years of free-money like never before. Having to work for the money to pay bills, while necessary is straining on a young man's budget. Of course I (and every other working person) would like to cut down on these bills, and have some more money left over. For example, when do you apply for health insurance? Is it more useful to a young man or an older man? Who knows, when you're going to get sick, or when you will get into a situation that will debilitate your body? So logically it is a necessity for EVERY SINGLE PERSON to have a backup plan for these possibly unforeseen instances...... right?

Well here's a two page horror story of several people who have been (nearly) handicapped by cancer, lymphoma and other unmentioned diseases who are not getting their claim. It hardly seems fair to pay an invisible bodyguard a sum of money month after month and not receive any money. The tactic the disabled say the insurance companies (the company in question is called Cigna) are using is called slow-walking. The companies keep denying you until you crumble from the pressure and stop pursuing your money.

Frankly this is a violation as deep as a doctor betraying their patient. A doctor works to save the lives of his patient, in a similar theory an insurance company works to get money to it's injured. If a doctor killing his patient from malpractice is unconstitutional, then why should the insurance company's betrayal be any different.

Of course the company's defense is that thousands of it's buyers try to corrupt the system by faking a disability claim. Perhaps that is true but that is no reason to deny people fuck with people who make their monthly payments on time and are really injured. The linked articles discusses a disabled Bob Eklund who is disabled from another unmentioned disease. Eklund says he has literally a mountain of evidence showing his disability, yet every time Cigna denies that he is disabled.

While the heinous crimes that Cigna commits to their ex-customers are in fact henious, the writer of that article commits a greater and far worse crime in re-writing the story. That one story has been circulating the major news websites (CNN, NBC, ABC etc.) for a few hours before the writer of posted his own article. Furthermore, he brings nothing new to the story, just the same salted injustice that his "interviewed" are getting screwed by Cigna.

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