Pturner
Soaring Eagle member Join Date: Oct 2009
Location: Atlanta
Posts: 2,043
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Pauld315,
I'm sorry to hear of your wife's former cancer and I hope she stays in remission forever. Under the circumstances, I don't think I would give up her job and health insurance benefits until you are certain that you have secured adequate coverage elsewhere.
Insurance policies can be tricky-- you have to read the fine print. My former employer once purchased a group policy with assurance that mammograms were covered. When women in the office filed claims for the procedure, the claims were denied. The policy stated something to the effect that mammograms and other routine office procedures were covered. The "trick" was that mammograms are never actually performed in a doctor's office. The insurance company's argument was that mammograms were covered as long as they were performed in a doctor's office. Gotcha.
The "gotchas" with insurance companies can be almost beyond belief; so before you give up her work coverage for any other coverage, I would have a competent insurance attorney or adviser review the policy.
Wish you all the best.
Pauld315:
I agree with pturner. Insurance companies have their own rules. I would make sure that she is covered by calling them and asking for a secific clarification on their policies. Trying to figure out the way these policies are written can be extremely difficult as they seem to be written by lawyers to protect the insurance companies. A competent insurance attorney or adviser review the policy is a great idea..
If you ask me, I think insurance policies are a lot of double talk.
I had a family doctor tell me he retired because he got tired of talking to a insurance rep, (possibly a former nurse), who would tell him why a procedure was not covered. He felt that as a doctor, he knew better what needed to be done than the insurance rep.
Wishing you and your wife all the best with your decisions so that your wife stays healthy.
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