I will start by saying I work WITH health insurance but I don’t work FOR a health insurance company. I spoke to a lady today who was confused on why she had to pay for a medical bill when her family had already met her out of pocket max for the year. She informed me she knows for a fact that they met it because before her husband passed away within the last 2 months and they were getting bills covered at 100%. I was also able to verify this info based off her account. She told me the reason she had to go to the hospital recently was because she thought she was having a heart attack with everything that has been going on and she needed to get emergency services. I had to tell a woman who just recently lost her husband that in the eyes of the health insurance world because her husband was taken off the account (because of death) everything that he personally contributed to their out of pocket max doesn’t matter anymore. It’s monstrous behavior to also add insult to injury to a grieving widow and make her pay for a bill that SHOULD be covered at 100%.
Health insurance companies are basically like “we understand he died. We understand he caused you to meet your OOP. We understand you already paid thousands and thousands of dollars for his medical expenses but….sorry please now also pay us for YOUR medical expenses.”
This is just vile behavior
My only option is to try and plead to the manager of the health facility to see if they can write this bill off for the grieving woman. I don’t even think that’s going to be an option.
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