Elma, Washington
1.3K views
2 comments

Had (past tense) a policy for my family covering illness for about a year.Our 8yr old Daughter went to hospital emergency (covered?) as directed by the doctor, thinking she might have appendicitis due to symptoms but he lacked facilities to do proper tests.

Emergency care was excellent. She was certainly dehydrated and for 4 hours, nurses cared for, and observed while also trying to get a needle into her arm for taking blood and administering fluids. She was sent up to hospital for ultrasound to confirm no problems with appendices or kidney, etc. Eventually she was admitted to hospital (covered?) for an overnight stay and observation.

She was released the next day (covered?). Total hospital cost was nearly $15k, our portion, post regular policy was nearly $2,000. Made a claim because of the above mentioned and questionable coverages. Their payout to us: $25 bucks.

Yep only decimal points, not zeros to the right of the 5. That wouldn't even cover the cost of a cafeteria meal! I did call and question them but essentially there are far too many caveats to the policy. What constitutes admittance, and stays, and riders, requires an attorney or professional claims administrator to decipher what is advertised as a simple, straight-forward easy to understand supplemental policy.

IE you have costs, we help pay--NOT! Its one of those things where you will not likely be able to decipher policy unless you are in the industry.

Do your research, and do not trust the agent to lay it out for you.

Ours was an old, personal acquaintance of mine.

Review about: Combined Insurance Claim.

Monetary Loss: $2500.

Had an Experience with Combined Insurance?

Write a review

Comments

Terms of Service
Post Comment
Cancel
Anonymous
Nashville, Tennessee, United States #847488

Don't blame your agent. Friend or no friend ,he did not know. Don't blame the agent.

Anonymous
to Nashville #975775

He is suppose to know that is his job.He sold her an accident policy with no hospitalization.

Probably because she wanted to stay in budget.Put the blame where it belongs he should have explained the policy she got with or without the riders.

You May Also Like

Senior Life Insurance sales person is a liar. Senior Life Insurance "My mother passed away on 06/01/2017 and on 07/10/2017 I received a letter saying that the policy was being contested because..." Read more AARP SCAM to enlist membership of elderly Aarp "I have received several notices that my membership confirmation dues have not been paid. I have never joined AARP as in my situation, none of their benefits would help me...." Read more Hole In One International - US Hole in One Internet Scam Hole In One International "US Hole in One is an Internet scam claiming outrageous services and products YET works out of an Abandoned building. Since google Maps has serviced US HOLE in ONE can..." Read more AARP SHAMEFULL GRIFTERS WHO SEND UNSOLICITED INVOICES TO EXPLOIT THE ELDERLY Aarp "I usually through away all the the trash junk mail I receive from AARP; however this time, I noticed "INVOICE ENCLOSED" In bold letters the envelope. I opened the junk..." Read more Ctrip - Overcharged in Airfare Ctrip "Ctrip's website has stated very clearly as "Airline Deal" which is direct sale from Airline; same price as Airline's site (as per their website). When I downloaded the receipt from..." Read more Sonic - Absolutely terrible Sonic "Some girl with short blonde hair was taking my order and she had an attitude problem and she got mad because I said I wanted marinara sauce with my tatertots..." Read more Tbdress - Dishonest Company Tbdress "We bought a dress for my daughter a week ago and it did not fit. We contacted customer service and the agents name was Hugh. He told us they could..." Read more Reebok Dealer Reebok "http://www.asanadealers.com - Internet Reebok supplier Asanadealers, took an order from me for Reebok Crossfit Nanos 6.0 shoes over the internet which were paid for in advance. They sent me a..." Read more