Re: I need to vent about insurance -

[Guest guest]

In a message dated 1/15/2006 9:36:10 P.M. Eastern Standard Time,

bggagne4@... writes:

Are you " in network " in

VA? If not, have you had added headaches because of not being in

network? I'm a bit leary about not being in their network

Hi Gwen,

We have to pay more if we see doctors " outside our network " , but so far all

the doctors we see are in the network.

All this insurance stuff is so confusing. One insurance company has meds

listed at one tier, the next insurance company will have them listed at another

tier. Why can't things be simple?

hugs

Eunice

[Guest guest]

In a message dated 1/15/2006 10:29:06 P.M. Eastern Standard Time,

fightingautism@... writes:

I've found ordering from Canada to be the easiest :-)

Hi Debi,

We have great insurance. It is cheaper for us to order the 3 month supply.

I'll get Anthem straightened out or I should say the company will. After

all, the company is paying them to handle our insurance.

hugs

Eunice

[Guest guest]

On Sun, 15 Jan 2006 20:11:20 -0500 " Barbie Gallini "

writes:

> Don't worry too much about Anthem, yet. We use them (in VA)

OK -- I have a question about Anthem. I went to their website to see if

my OB was part of their plan. We are in FL and it appeared that we are

" out of network " . Only a few states were " in network " (including Ohio,

where my husband's corporate office is located). Are you " in network " in

VA? If not, have you had added headaches because of not being in

network? I'm a bit leary about not being in their network!

Gwen in FL

SAHM to 7yo Claire, 4yo , 2yo Audrey, and baby #4 due in June 06

[Guest guest]

I haven't gone to the webpage much. I did get claim forms from the website

and normally I do that stuff at night but I don't remember. I may have done

it during working hours. Hopefully they can fix all that..seems you should

be able to get the online stuff at any time.

Barbie

_____

From: diabetes [mailto:diabetes ] On Behalf

Of ERWachter@...

Sent: Sunday, January 15, 2006 9:07 PM

To: diabetes

Subject: Re: I need to vent about insurance -

In a message dated 1/15/2006 9:02:58 P.M. Eastern Standard Time,

bgallini@... writes:

Don't worry too much about Anthem, yet. We use them (in VA) and haven't

had

any problems.

Hi Barbie,

We live in VA also. I have been dealing with them since the first of Oct

and it has been a pain. It is true, they have sent the prescriptions as

ordered, they have paid medical. The problem is I want to download forms,

review

our records, order refills, etc on weekends or late at night and I cannot

do

that.

hugs

Eunice

[Guest guest]

Eunice, we've been BCBS of TN for several years. I STILL can't get

signed onto Caremark. I finally called them, turns out they don't save

any money, anyway. I got price quotes for ever med and we MIGHT end up

saving the cost of one pill. She finally said the benefit was in

having it delivered to the door. Heck, I chase 3 girls all over town

every day, that won't be a benefit to me.

I've found ordering from Canada to be the easiest :-)

Debi

[Guest guest]

>

> In October our insurance changed to Anthem BlueCross/Blue Shield.

What a

> headache this has been.

>

> > hugs

> Eunice

>

>

>

[Guest guest]

Sorry to hear about the insurance problems Eunice. The company we have

to use for prescriptions, Medco, also requires separate ID's &

passwords, but Dave & I use the same password.....so it's no problem. I

do have to place orders separately though.

Speaking of HIPPA.....2 years ago when I first went on blood thinner, I

had to have a blood test done while I was in San Francisco visiting my

son because they have to get you at the right dose & blood level. I had

a medical request and letter from my doc that I took with me to the lab

at UofC-San Francisco Medical Center. It specifically requested the

results be faxed immediately to him so he could call me with any dosage

changes. He never called me, so I called him. They never faxed it to

him because of " patient privacy " . I had to go back.....after I had

already filled out forms & discussed it with the lab. They still took

their good old time and my doc had to call and argue with them for my

test results. He finally got them 5 days later. I was furious that a

nationally recognized hospital could be so inefficient and unprofessional!!

I think anything to do with health.....docs, insurance companies,

etc.....has gotten totally out of hand. It's why we pay such

exhorbitant prices for health care. Anyway.....good luck

tomorrow.....be sure to read them the riot act....LOL!

Gail

[Guest guest]

personally, I think hippa was meant to help, but is being blown way out of

proportions. My fiancee goes to EVERY dr visit with me, picks up my meds

and, all that but couldnt call and even make an appointment for me. At the

time, i had already signed a form to alow him to be in the room with me

during the exam, but he cant call !!!! (My old dr reufsed to do this

because that would violate hippa.)

I also feel other business take privacy issues to far. When i had

internet/cable issues and called comcast to complain I had my fiancee on the

phone with me (2 handsets) because he used to be a cable tech and

understands this better than me. But because i havent signed some privacy

account authorization form, they wouldnt discuss my account with

him....Even with me one the phone!!!!!!!What craziness!

>

> Sorry to hear about the insurance problems Eunice. The company we have

> to use for prescriptions, Medco, also requires separate ID's &

> passwords, but Dave & I use the same password.....so it's no problem. I

> do have to place orders separately though.

>

> Speaking of HIPPA.....2 years ago when I first went on blood thinner, I

> had to have a blood test done while I was in San Francisco visiting my

> son because they have to get you at the right dose & blood level. I had

> a medical request and letter from my doc that I took with me to the lab

> at UofC-San Francisco Medical Center. It specifically requested the

> results be faxed immediately to him so he could call me with any dosage

> changes. He never called me, so I called him. They never faxed it to

> him because of " patient privacy " . I had to go back.....after I had

> already filled out forms & discussed it with the lab. They still took

> their good old time and my doc had to call and argue with them for my

> test results. He finally got them 5 days later. I was furious that a

> nationally recognized hospital could be so inefficient and

> unprofessional!!

>

> I think anything to do with health.....docs, insurance companies,

> etc.....has gotten totally out of hand. It's why we pay such

> exhorbitant prices for health care. Anyway.....good luck

> tomorrow.....be sure to read them the riot act....LOL!

>

> Gail

>

>

>

[Guest guest]

In a message dated 1/16/2006 7:18:30 P.M. Eastern Standard Time,

texanswede@... writes:

Your expiration date will be the last day of the month. So, if your card

says 11/2008, your expiration date is 11/30/08.

Hi Rhonda,

I was so mad at Anthem this morning that I could not even think straight. I

still cannot get into the site to order 's meds. Today was a holiday

for Anthem so no help there. I'll be on the phone tomorrow at 9:00.

I don't think it really matters what day I put. It worked so I guess

everything is okay. I was using our flex card. If the company decides to

change

insurance companies again next year, the card will expire Sept 30. Our

insurance is from Oct 1-Sept 30.

Even with all of this, I've gotten quite a bit accomplished today. Oh yes,

I'm having to take care of my mom's medicines. What a headache with all

these new changes.

How many more days?????

hugs

Eunice

[Guest guest]

In a message dated 1/16/2006 7:22:39 P.M. Eastern Standard Time,

smartandfancyartistry@... writes:

I got bills for things that had long since been paid and they kept telling

me they hadn't. The city billed me for the ambulance AFTER they had been

paid, and it was a hefty sum, too

Hi Darlene,

I probably keep more paperwork than is necessary, but when you have to prove

that you have paid something, it is worthwhile.

hugs

Eunice

[Guest guest]

Eunice,

Your expiration date will be the last day of the month. So, if your card

says 11/2008, your expiration date is 11/30/08.

Keep Smiling,

Rhonda Y.

>

> It will not be accepted because they require the expiration date of the

> card to be entered as mm/dd/yy. I have used a lot of charge cards over

> the

> years and I have never had one to give me an expiration date with all

> this

> information. All that is on the card is the month/year of expiration.

>

[Guest guest]

Reading the date you put, I think it is normally the last day of the month it

gives that the card expires. I'm with you, though, I haven't ever seen more

than month and year on the cards.

When my mother was still living she had the Federal Govt High Option Blue Cross

that paid for everything. There were several times I had to call them and get

her bills paid. The worst problems I had were after my parents passed away,

though, and it wasn't with the insurance, who paid everything. I got bills for

things that had long since been paid and they kept telling me they hadn't. The

city billed me for the ambulance AFTER they had been paid, and it was a hefty

sum, too. I found out that they have been doing that quite a bit in Colorado.

Darlene

Re: Re: I need to vent about insurance -

In a message dated 1/16/2006 11:08:21 A.M. Eastern Standard Time,

bggagne4@... writes:

I've never seen/had a credit card with more than mm/yy. That's

ridiculous! They must be making it difficult on purpose :-/

Hi Gwen,

I logged out, then went back in and re-entered all the information. Not

only do they want " dd " , but the yy has to be yyyy. So, I entered 10/01/2007

and

they accepted it.

[Guest guest]

When I had my prescription refilled, the lady in front of me had just been

accepted on Medicare/Medicaid and couldn't get her prescription because she

didn't have enough money. I think they wouldn't pay any of it, because she

needed to meet the deductible. Since they had accepted her, CICP would no

longer cover her prescriptions. It didn't sound like a very good deal to me.

(Oh, they are both under Anthem Blue Cross/Blue Shield in CO).

Darlene

Re: I need to vent about insurance -

Now with this new

Medicare thing coming up. who knows what's going to happen. Several letters

today in the Sunday Union Tribune in San Diego from people who are suddenly

haveing to pay a lot more, even without switching companies. It sounds as

if a great many senior citizens are going to be going without their

medicine. Or their food......Elise

[Guest guest]

Insurance companies are in business to make money. They have a

fiduciary duty to their stockholders to maximize profits. Hence, they

do not want to pay if they can avoid it.

Re: Re: I need to vent about insurance -

Hi Donna,

If insurance companies would do what they are being paid to do and stop

trying to 'play doctor', everybody would be much better off. If we pay

our

premiums, there so be no reason for insurance companies not to pay.