I don't know if this is typical and we've just been lucky thus far, but we're having serious issues with our health insurance. In the last 6 months, they've tried to deny claim after claim after claim. Sometimes the letters say that our policy ended (when it didn't), sometimes it says that services aren't covered (when they are), or today, they said they'd already paid the claim (definitely not).
It is becoming infuriating and frustrating, because I often have to sit on the phone for hours with them trying to argue my way through to payment. The other day they claimed that because my name was misspelled on my insurance card, they weren't going to pay for bloodwork ordered by my OB's office. Mind you, I've notified them 3 times about the fact that my name is misspelled on the card, and they never thought it was a crucial fact until now.
When we were in Florida visiting my inlaws, I had to rush Gabe to an emergency clinic because he had a massive ear infection and started throwing up and screaming while clutching his ear (turns out his ear drum ruptured). No one in Florida would take our particular insurance because they said they were never willing to pay the claims. I had to call the insurance company and spend hours on the phone getting an authorization for us to visit a clinic, and they gave me a claim number so I could submit the receipts and get paid for the two visits (one urgent, one follow-up). Today's letter informed me that they already paid me for these two visits, even though they most definitely, assuredly, have not. I think I would notice if I had those $300 I paid out of pocket.
I am so annoyed! Is this typical? Or is this because of the bad economy? Are the insurance companies trying to get away with not paying for standard claims to save money? I'm just so stinking tired of this, and if one member of our family wasn't staying home (i.e., me), I'm not sure who would have time to make these calls. By the way, this is a very common health insurance, not some podunk random one. It is probably one of the largest in the country. So why is this happening and what can I do to stop it? I'm already dreading the nonsense that is going to result after I have this baby. We're probably going to get billed for $500,000 or something similarly insane. Ugh.