It's been a long time since I last posted here at Daily Kos but I recently saw my former health insurance company advertising on FB, so I wrote them a quick message. Some clerk there told me I should email her and she would try to help with the issues I had with their company. She got more than she bargained for; she got the truth! I wanted to share.
Dear __:
I Facebook messaged you and was surprised to hear any reply from your company. I did not expect a reply; I basically wrote because I found it hideous to even see your name, and I wanted to express my disgust with your company to you.
We had BCN for many years as a group insurance. Then we had to switch to individual, just like many did due to the poor economy. As an individually covered family, you treated us with every ounce of greed and maleficence you could get away with! For years, my husband and I had to put up with illegal, fraudulent behavior on your part, and the constant barrage of creditors hounding us because your company didn't pay what you were contractually obligated to pay.
Your company illegally cashed our checks and didn't credit them properly. We had creditors attacking us because you wouldn't pay for the doctor's visits. You prevented me from getting my regular health care checkups, mammograms, and Pap smears, and when it was known I needed more appointments with other specialists that was when you rescinded. You pulled both of our daughters off our insurance with 30 days notice right during Christmas time when most companies can't even be reached between Christmas and New Years! You actually gave doctors the wrong billing address and we got stuck with creditors coming after our daughter. Then to top it off, you didn't pay her bills because whatever coding issues you had between the physician and your office.
Basically, the behavior of BCN was illegal. It was fraudulent. It was a disgrace. It was shameful. You got away with it and it was business as usual for your company to rescind and potentially cause death. There is a reason insurance companies are known as 'murder by spreadsheet.'
I have no idea why you asked me to reply here because unless you are willing to pay for every medical bill we've incurred since you illegally rescinded the insurance, you can never make up for the medical, mental, and financial problems you caused. You can never make up for the lack of ethics on your company's part either.
Sincerely,
~Silence is Complicity
