The Mudcat Café TM
Thread #122754 Message #2697620
Posted By: Bobert
11-Aug-09 - 07:51 AM
Thread Name: BS: Think I gotta an ulcer.... Advice needed
Subject: RE: BS: Think I gotta an ulcer.... Advice needed
Yeah, thanks all...
The situation with the insurance is very murky, indeed... Yeah, I enrolled on Jun 1st which was 5 weeks before the first minor symptoms occured and was graded at a "Level 3" out of 4 levels... The reason I was graded so risky is because I was too truthfull on my application and even mentioned that I "thought" i might have some arthritis in my thumb because after playing hear Mississippi Delta style blues for 3 hours I would have pain... There was never any real diagnosis for it but, heck, they asked all these questions that started with "Have you ever..." so I was trying to be as honest as possible.... I have since been told to say nothin'... Wisj I had known that lieing is part of getting health insurance at the time I completed the application... lol (not really)...
So I appealed the decision and got a letter from my doctor saying that I had never been officially diagnosed with arthritis and I am now in the appeals process...
The rub is that we aren't sure if the insurance company can downgrade me to a level "4" as a result of my appeal??? I have my insurance lady working on that today... I know that logically one would think that the worst case scenerio would be that they could only keep me at a level "3" but when you're dealing with this crooks you can throw logic out the window...
My insurance lady read her rules book every which way yesterday and it can be looked at both ways... The rules say that new information may be used in the review of the appeal... Now if the insurance company decideds to downgrade me based on stuff that occured "after" the initial application then this ol' hillbily is goina be a world of financial hurt and really can't see how I could pay for a level "4" premium with what little actual income I have...
The worst part about this is that on paper the P-Vine and I are worth over a million dollars... But that's all on paper... We really don't have any income that would reflect our holdings and or holding are not readilly liquidatable... I can see th headlines now, "Millionaire Can't Afford Health Insurance, Loose Farm"... That is really not all that funny...