7 Common Health Care Complaints and What You Can Do About Them
When it comes to our health care, we want to get in and out quickly and without any inconveniences. That’s not the reality for most people when dealing with their health insurance providers. Here are some very common health insurance complaints, and what, if anything, you can do about them.
- You need a referral and your health insurance provider won’t give it to you.
Ask your health insurance provider to give you an expedited review of your request. If that doesn’t work, contact your state insurance board.
- You are not allowed to get the treatment or medicine you want.
Is it treatment you want (fascinating new hair plug/extension hybrids) or treatment you need (antibiotics for your flu)? If it’s the former, you may have to weave those on your own. If it’s the latter, you can file a request for an expedited review, which your health insurance provider must respond to in three days. If they still won’t budge then you can contact your state insurance board to take things to the next level.
- You lost your job and your health insurance with it.
This is being addressed in the current health care bill before Congress, and if the bill passes, you’ll be able to keep your health insurance even if you lose the job that provided it.
- You’ve been treated rudely by your doctor.
One way to deal with this is to tell your doctor he or she has been rude and see how they respond. Maybe they were simply having a bad day, and quickly apologize. If they don’t, you can always go out and get a new doctor (but don’t forget to take as many magazines as you can grab when you leave their office).
- The wait for an appointment is too long.
If you think your condition is too dire to wait then you can file a request for an expedited review, which the insurance company must resolve within three days. If that fails then once again, contact your state insurance board – these are the people that keep your insurance company on its toes.
- You’re being sent home from the hospital too soon.
Health insurance companies seek to keep their costs down by sending patients home from the hospital as soon as possible. To put the brakes on this one, again, file a request for an expedited review. You’re able to stay until you get a reply. The risk here is that the review will be in the plan’s favor – and if that’s the case you may have to pay the hospital bill. Ouch.
- You got a bill you don’t understand.
If you get a bill from a doctor, hospital, clinic or other health services provider, it can only be for your deductible, co-insurance, or co-pay. If you’re not clear on the nature of the bill then ask. You should never get a bill for emergency care – your health insurance provider is almost always required to cover it. If it’s not right then file a complaint with your health insurance provider.
And as always, if you’re not happy with a provider you should be aware that there are many quality health care providers available that you can switch to. Go Insurance Rates can provide you with free health insurance quotes to get you started.