To make life easier in trying times, people typically give careful consideration to selecting the best insurance or health plans. However, those same restrictions might occasionally result in unforeseen annoyances and hassles.
“Americans, tell me about your insurance horror story,” a Redditor recently posed. The responses were a variety of incredible stories that brought to light the hardships of rejected claims, excessive paperwork, and terrible customer service experiences. When things don’t go as planned, these stories highlight how difficult and unpleasant it can be to deal with insurance. To learn more about these true stories of irritation and what to look out for in your own rules, continue reading!
1.
When I was seven years old, I became really ill and spent a long time in the hospital. Regretfully, it occurred during a small interruption in my dad’s work history, which resulted in a brief insurance gap.
I later learnt that my parents had filed for bankruptcy and that my dad had to work at higher-paying jobs he detested to make ends meet.
Eventually, he actually worked himself to death by working so many overtime hours that he fell asleep behind the wheel, drove off the road, and collided with a tree. My worst day ever.
By now, Dad ought to be enjoying his retirement, but he has been gone for years, and my mum is still dealing with sadness and widowhood.
Universal healthcare is necessary in America.
2.
According to my dad, an oncologist, the amount of arbitrary insurance company denials of claims that should unquestionably be paid under the patient’s plan has increased.
They are frequently eventually allowed after being appealed. However, because early cancer therapy is crucial, the entire process proceeds very slowly, which could be fatal.
In the hopes that the patient will pass away before they are forced to pay for treatment, it almost seems as though the insurance companies are purposefully delaying things.
3.
My daughter has cystic fibrosis from birth. Because of genetic tests done before to her birth, we knew she would have this condition. Since it was known in utero that she would have cystic fibrosis, she had a pre-existing condition and was refused insurance the day she was taken to the NICU. From the day she was born, I had to battle with insurance. This occurred just before Obamacare put an end to that bt. PS: Because they vilified it because a Democrat approved it, I will never vote for a Republican again in my life.
Insurance is meant to provide as the reassuring safety net that we all depend on when life presents unforeseen challenges. It’s designed to make the process of recovering from any kind of disaster—whether it’s a vehicle accident, a medical emergency, or damage to your home—less stressful.
However, it’s not always easy to deal with insurance, let’s face it. The process can be quite taxing, with countless documents and rejected claims leaving you to question whether there is a “safety net” at all.
4.
Doctors kept trying to change my wife’s pain medication since she was taking morphine every day and it was becoming too much in her system. Insurance continued insisting they needed more justifications for changing medications. She passed away from the deadly effects of morphine last year.
When that CEO was removed, I was happy.
5.
UnitedHealthcare was responsible for my brother’s murder.
Until it was too late and he was near death, they resisted him and refused to give him any tests, medications, or treatments.
6.
Prior to Obamacare, my father was a physician with a pre-existing disease that limited him access to health insurance to his state’s pool of last resort. Since he was self-employed and worked in a fairly rural area, it consumed 30% of his salary. He was the only doctor in his speciality for seventy-five miles, and when his patients were in dire straits, he would let them “pay” with veggies, piano lessons, or anything else they could think of rather than cash. After a stroke, he ‘died’ on the floor of his bathroom, yet he survived for four more days on life support. After $350,000, which included a 30-mile, 70k helicopter ride, a man who devoted his life to medical and gave all of his organs to Healthcare expenditures caused science to die less than broke.
7.
I truly wonder how any of you survive after atrocities like these, as a Brit looking down the scope in terror at the US. Along with my deepest appreciation for persevering through it all, I also offer my sympathies for lost loved ones, priceless belongings, etc. My nation seems to be on the verge of a new kind of collapse, but our politicians are too preoccupied with squabbling over f*****g sandwiches to see the signs. Something has to change on a collective level, and the government won’t do it. Sincerely, I hope the best for you.
8.
My migraine medication was rejected. I was permitted to take nine pills each month. On a typical day, I require two tablets. They eventually authorised my medications after I fought them for more than six months. Only eighteen tablets a month, though. There was nothing I could do. To fill the prescription, I go. I was in charge of $5. The liability of the insurance company is zero. arguing with me for nothing. Pre-authorizations have gotten out of hand. Why is a $5 d**g required for pre-auth? That was once applied to costly and experimental items. Not the necessities of life. Three months ago, my friend underwent neck surgery. When he arrived at the pharmacy after leaving the surgery with all of his scrips, his pain medication was refused. He required prior authentication. Bullsh*t.
9.
2008 was admitted to the hospital for a Crohn’s disease-related intestinal rupture.
High on fentanyl to relieve the pain, they were airlifted to the Mayo Clinic.
After a month in the hospital, she emerged looking like a Holocaust survivor and without a colon.
The wife went into the obgyn to check on the baby since she felt uneasy. At 8 months, there was no heartbeat. Labour was induced.
Son was buried.
received a $110,000 Mayo Clinic bill, which was rejected by the insurance provider.
The insurance company rejected a $20k abortion charge that was received.
called the hospital and insurance company every day for four months to contest costs until they were reduced to $12,000.
10.
Due to heart failure, my father spent a week in the hospital. Without medical assistance, his death was practically assured because his lungs were full of fluid and he was drowning.
Because it didn’t appear that he was ill enough, insurance determined that the entire stay was totally unnecessary. They were unwilling to discuss anything about it.
The battle lasted for years, but we were ultimately victorious. Bill had a six-figure income.
11.
My wife’s doctor has been trying to obtain her an MRI on her hip for more than a year, and she recently received her third denial of authorisation (from UHC).
She failed to submit X-rays, which is the first reason. X-rays were submitted and reapplied.
The second reason is that prior to the request, she had not completed PT. provided proof that she had intermittently participated in physical therapy for seven years without seeing any progress, and she reapplied.
The third reason is that she must first have X-rays taken.
This brutality of AI auto rejection is normal.
12.
I’m grateful to live in a place where healthcare is universal. The everyday anguish you guys must endure is beyond the comprehension of my socialist brain.
Fear must be a constant presence for even the healthiest of people. You can have it all one day, and then, without your fault, a stray strand of DNA corrupts and, boom, you have cancer. You have to face the possibility of dying, becoming bankrupt, and losing everything you possess. Our shareholders would rather have the money, even if some anonymous corporation says no.
13.
My mother committed herself because she feared that her illness would result in our family losing our insurance.
14.
I have diabetes, then. My doctor recommended Lantus insulin, but my insurance company preferred Basaglar**, a less effective and less expensive insulin. Thus, the dosage was doubled by my doctor. I had to pay the copay twice a month because my insurance changed the dosage from 30 days to 14 days (2 weeks per month). With the exception of February, most months have more than 28 days, therefore that equates to 28 days every month. In less than two years, the payment increased from $25 for 14 days to $65 for 14 days, and I was forced to restrict my insulin. Every fourteen days, I had to go to the drugstore, wait in line, and receive refills.Additionally, I had to return since the pharmacy ran out of supplies. I had to walk a mile to CVS down the road for this (and other medications) because I am unable to drive. To cope with this inconsistency, I simply began “buffering” a week at a time.
15.
It was determined that my surgical removal of ovarian cancer was elective. My type would not respond to radiation or chemotherapy, but since it wouldn’t kill me right away, it seems that I wanted it that way. paid $6,000 out of pocket.
Denials of claims have a significant human cost. Patients complain of financial burden, postponed medical interventions, and elevated stress. Insurance obstacles have occasionally compelled people to skip vital procedures.
16.
My wife’s unexpected retinal detachment required immediate surgery. Going blind is literally only a few minutes away. Because she had not received pre-authorization, the insurance attempted to deny payment and then asserted that a spontaneous incident was a pre-existing condition.
17.
My partner has been receiving dialysis for more than 15 years after developing renal failure as a child. After graduating from college, she was employed as a teacher. Due to problems with her condition, she was forced to cease and enter disability. Since dialysis is unaffordable for anyone without insurance, we attempted to obtain coverage from every insurance company before Obamacare. Because of her pre-existing ailment, she is not covered by any company. In essence, they informed her that she was too costly to sustain.
18.
Someone I know, not me, received a cancer diagnosis in her early thirties. Her oncologist ordered a complete body MRI to determine the extent of the metastasis after discovering cancer cells in her lymph nodes. Despite the fact that she had cancer, her insurance rejected it on the grounds that she was too young to be deemed at risk. Her doctor put a lot of pressure on them before they finally approved it.
The strain is also being felt by healthcare providers. Nearly 50% of providers reported an overall rise in their denials rate compared to the prior year, according to a survey AKASA commissioned, which further strains an already overburdened system.
19.
The insurance company refused to cover my medicine after I received treatment for endometriosis and demanded prior authorisation for each refill. The d**g is on label because it is authorised for this use. The issue is that endometrial tissue has adhered to other internal organs and extended to my digestive tract, causing me to bleed internally. As I waited for the prescription that stopped the hormone production that was causing the bleeding, I would be bleeding internally into other organs and into my abdominal cavity while they made me fill out paperwork for every refill. My digestive tract is 30% paralysed as a result of this illness. I therefore vomited and endured terrible discomfort at that period.
20.
After an early birth, my daughter remained in the NICU for seven weeks. We received a bill for approximately $400,000 after she left, and it took months for the hospital and insurance company to resolve the issue. Even though we have mountains of documents proving that everything has been paid, we occasionally receive letters or phone calls from one of them claiming that we still owe them $100,000.
