This is an example that coincidentally happened to yours truly this morning. I am in search of a new doctor in my area, and I asked my old doctor in my hometown which is 30 minutes away, if he would recommend somebody here. He gave me a name, and I gave the doctor's office a call this morning.
I was informed that the doctor is not accepting new patients....pause...what kind of insurance do I have?
"No, the doctor is not accepting new patients."
"What kind of insurance is the doctor accepting?"
"Cigna, Healthnet...that's all I can think of."
I did not know I had second class health insurance! But, it sure is nice to know that there is not a damn thing I can do about it, unless I want to go it alone on a policy, and from what I have read in the LA Times about single patient policies, it is far too risky. I might just end up giving my money to some insurance company who will dump me if I got sick.
This is messed up!
PS to Mrs. Happy Housewife: I don't disagree with you about the frivolous lawsuits, many simply make lawyers richer for no good reason. My sister is a former trial attorney, however, and I have to say that my view softened a bit when I heard about some of the cases she took on. For many, a lawsuit is the only option to force an insurance company to pay what they said they would in the first place. Until we have a system that can reliably meet our needs, we need those lawyers.
Uncertainty is very disruptive in an economy; that is why they thought up insurance.... to spread the risk over time and populace. I have no problem paying my premiums, I understand that health services cost money...but I want to be able to rely on what I sign up for!