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We'll have a reasonably functional government again, in time. Not soon enough for many of us but eventually it will happen.

Love too have to find hidden loopholes to have my insurer cover life saving treatments

Once Trump and the GOP find out about this clause in the ACA, they will move expeditiously to strike it. We can't have people getting lifesaving health care!

Btw, the appeals process is easy once you've done a couple. Easy for doctors, that is. I never made a patient attempt an appeal on their own. I could do it 100 times more effectively, and with 100-fold less time spent. Now, some docs have hundreds of denials a year, and can't appeal them all.

I wrote about some details of the appeals process a few years back: www.sotirioskeros.com/uncategorize...

I had to call and tell them it was a joke.. it was wear and tear from years of use. They paid and i learned a valuable lesson.

There is another loophole. It’s called GOING JOHN Q.

When you are alone and ill, you don't have the capacity even for an easier process

What percentage of external appeals would you guess are frivolous (e.g. “pay for me to get something that clearly isn’t covered”)? I’m sure it’s at least 20%, so the overall success rate of 80% means that means essentially 100% of reasonable appeals are decided in the patient’s favor.

FepBlue, the federal insurance, did not. Just some boilerplate crap about our health care provider not giving them enough info. I will contact them Monday, thanks. As this hospitalization was a direct result of a few YEARS of chasing denials, I expect to pay zero. Just call me Karen.

who says cartoons are only for entertainment www.youtube.com/watch?v=O_VM...

when you are sick you should not need to worry about the bills.