09-25-2009, 04:28 PM
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Join Date: Feb 2003
Location: Maryland
Posts: 541,353
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That sounds like one to NOT select next Open Enrollment!
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Eudaimonia
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09-27-2009, 04:58 PM
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Join Date: May 2001
Location: Rochester N.H.
Posts: 4,134
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Quote:
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Originally Posted by Jude30
You do realize that this is about as affective as wishing on a star right? Just as a personal anecdote my wife has short term disability through her work. When we were finally able to get pregnant with our daughter she called the insurance company to insure that the time she would be bed ridden (and we knew without a doubt after losing two children she would be bed ridden) she would receive her short term benefits, which she was assured she would with no problem what so ever. She works customer service so she is anal about recording times, dates, names, and important conversation points in a a note book. She was put on bed rest the week before Thanksgiving. She started calling the insurance company that week. She was put into the hospital two days before New Years, and we still didn't have a check. After being in the hospital for two weeks we finally sicced my mother on the insurance company. My mother being and HR director was finally able to get them to start cutting checks. If it hadn't been for the actions of my mother we probably never would have seen a check because my wife was in no situation to deal with the stress of calling the insurance company day after day trying to get what was rightfully hers, and I had to work.
That's what the insurance companies want. They want to make it so hard to make your claim you give up. Many people do, or lack the resources to claim what they have rightfully paid for. That is the problem with the American health care system. So if you honestly think your recording names and dates of a conversation you had with some nameless drone in Omaha is going to do you any good making your claim I've got some ocean front property in Arizona I'd like to sell you.
I hope you don't have any problems, but seriously I can't say it enough of the insurance company wants to deny your claim they will. And they will keep denying it until you've jumped through every last hoop they toss in front of you and make you dance like a little monkey, or you give up in frustration.
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Please forgive my typing & spelling as I have a HUGE patch on my right eye &
cannot see to good!For an example I will use this-Last year,while in our Fla
home,I broke off my right front tooth,which had been capped for years,from an accident!Not knowing the Drs. in the area,my wife called our dental insurance(Delta Dental)They recommended a few.The one that we went to
said that with my age(65),diabetes & history of slightly high blood pressure,they would suggest a 5 tooth bridge.Naturally this was very expensive!They had to fit me for the bridge & put in something temporary,while it was being made.My wife called Delta to see what they would pay.When we got back to NH(with the bridge installed),we got a bill from the Dentist.Delta had not paid what they said that they would!My wife called the Dentist & Delta & finally reached an agreement.I don't know the details,but it didn't cost us anymore & that's my only concern!I will recommend Christy Dental in Palm Bay Fla.They do excellant work & are concerned,with your comfort while doing it.I don't know anyone elses confrontations but have found that if you pester enough the other side usually gives in.They are worried about what you say to other potential customers!
On the subject of the political e-mails,I would expect critisisem from someone that usually disagrees with me politically.To the best of my knowledge,I never dissagreed with the e-mails!I just didn't take the time to write & research them myself!Most of them came from my uncle(retired Marine) in Conn.(Known all of my life) & the last,& the one on here,were sent to me by the person that runs my local(Rochester NH) 912 group!When anyone belongs to the group,the e-mail is sent to everyone,in the group!
Irish 
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Irish---Better to be dead & cool,then alive & uncool!
(Harley Davidson & the Marlboro Man)
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09-27-2009, 05:03 PM
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Join Date: Feb 2003
Location: Maryland
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Eudaimonia
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09-27-2009, 07:37 PM
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Join Date: Aug 2001
Location: North Australia
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A similar tract comparing QANTAS airfares and paint purchases.
It sets you laughing and cringing at the same time.
This is NOT a joke.
First a reprise of how ordinary hardware stores sell paint: Customer: Hi. How much is your paint?
Shop Assistant: We have normal quality paint for $18 a litre and premium paint for $25. How many litres would you like?
Customer: Five litres of normal paint please.
Shop Assistant: Great. That will be $90.
Now, imagine you are buying paint from Qantas [or another airline]:
First you spend days trying to reach them by phone to ask if they have paint. Nobody answers. So you drive to a Qantas store.
Customer: Hi. How much is your paint?
Shop Assistant: Well sir, that all depends on quite a lot of things.
Customer: Can you give me a guess? Is there an average price?
Shop Assistant: Our lowest price is $12 a litre and we have 60 different prices up to $200 a litre.
Customer: What's the difference in the paint?
Shop Assistant: Oh, there isn't any difference; it's all the same paint.
Customer: Well, then I'd like some of that $12 paint.
Shop Assistant: When do you intend to use the paint?
Customer: I want to paint tomorrow. It's my day off.
Shop Assistant: Sir, the paint for tomorrow is the $200 paint.
Customer: When would I have to paint to get the $12 paint?
Shop Assistant: You would have to start very late at night in about 3 weeks. But you will have to agree to start painting before Friday of that week and continue painting until at least Sunday.
Customer: You've got to be kidding!
Shop Assistant: I'll check and see if we have any paint available.
Customer: You have shelves FULL of paint! I can see it!
Shop Assistant: But it doesn't mean that we have paint available. We sell only a certain number of litres on any given weekend. Oh, and by the way, the price per litre just went to $16. We don't have any more $12 paint.
Customer: The price went up as we were talking?
Shop Assistant: Yes, sir. We change the prices and rules hundreds of times day, and since you haven't actually walked out of the store with your paint yet, we just decided to change. I suggest you purchase your paint as soon as possible. How many litres do you want?
Customer: Well, maybe five litres. Make that six, so I'll have enough.
Shop Assistant: Oh no, sir, you can't do that. If you buy paint and don't use it, there are penalties and possible confiscation of the paint you already have.
Customer: WHAT?
Shop Assistant: We can sell enough paint to do your kitchen, bathroom, hall and north bedroom, but if you stop painting before you do the bedroom, you will lose your remaining litres of paint.
Customer: What does it matter whether I use all the paint? I already paid you for it!
Shop Assistant: We make plans based upon the idea that all our paint is used, every drop. If you don't, it causes us all sorts of problems.
Customer: This is crazy!! I suppose something terrible happens if I don't keep painting until after Saturday night!
Shop Assistant: Oh yes! Every litre you bought automatically becomes the $200 paint.
Customer: But what are all these "Paint on sale from $10 a litre" signs
Shop Assistant: Well, that's for our budget paint. It only comes in half-litres. One $5 half-litre will do half a room. The second half-litre to complete the room is $20. None of the cans have labels, some are empty and there are no refunds, even on the empty cans.
Customer: To hell with this! I'll buy what I need somewhere else!
Shop Assistant: I don't think so, sir. You may be able to buy paint for your bathroom and bedrooms, and your kitchen and dining room from someone else, but you won't be able to paint your connecting hall and stairway from anyone but us. And I should > point out sir, that if you paint in only one direction, it will be $300 a litre.
Customer: I thought your most expensive paint was $200!
Shop Assistant: That's if you paint around the room to the point at which you started. A hallway is different.
Customer: And if I buy $200 paint for the hall, but only paint in one direction, you'll confiscate the remaining paint.
Shop Assistant: No, we'll charge you an extra use fee plus the difference on your next litre of paint. But I believe you're getting it now sir.
Customer: You're insane!
Shop Assistant: But we're now THIS COUNTRY'S only paint supplier so don't go looking for bargains!
Thanks for painting with Qantas!
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