If you have insurance, whether its Blue Cross, Aetna, or some other large provider, youve probably received fappropriatelyening array letters from health workers in the mail wondering when you (or your insurance company who are always on episode deducting your pay) are pouring to shell out the cash you owe them.

It seems that insurance companies attempt to avoid payment whenever that you can imagine. This maximizes profits. One way they accomplish this is the fearsome category for your illness: The Pre-existing Condition.

When my five-year-old daughter started out to develop a cough we took her in to see the doctor. The doctor cited that she was developing bronchitis, a relatively common condition that is easily remedied with antibiotics. The doctor also noted that we caught it pretty early so there shouldnt engagement any complications with getting rid of it soon. Just finish the antibiotics and she would be excellent.

The doctor was right. We gave our daughter the antibiotics and there werent any responsibilitys at all. aside from for with the insurance company.

We received a letter from the doctors workplace a few weeks later asking for their money. We called the office and said that we spent our co-pay when we visited the office and didnt know what money they were conversing about.

Apparently, the insurer denied our objection. The doctors office said that we have to get in converge with our insurance and discuss it with them.

When we called the insurer, they told us that they had denied our claim because of a pre-existing condition.

“A pre-existing condition?” I asked.

“Yes. Thats what it says here.”

I should note here that we have had this defined insurance for nearly two years.

“Excuse me, but how can bronchitis be a pre-existing condition? Weve been with the company over two years and I dont think my daughter has had this cough since she was three.”

“Im sorry sir, Ill have to bring your call.”

After being bandied about the phone lines and talking to several different people of various nationalities, we were no closer to solving our problem.

As it gyrated out, they would not change their way of thinking and we were forced to pay the bill ourselves.

Sadly, this is happening to thousands of hard-working wage workers across the nation. If we had the money to employ a lawyer, we would have.

But, thats what organized us easy targets for higher profit margins. We wouldnt afford a lawyer. If we could, we would have a medical expense account instead of an HMO.

So, be wary. If your claim is denied, dont be terrified to call and find out why. Sometimes, a company will save money by denying every claim until you call and complain.