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I remember having United Healthcare, it was 💩

I once paid 400 monthly to have their insurance and turns out, when I needed it, no hospital would cover. It was because it wasn't actual insurance but some weird emergency thing. But they did tell me it was health insurance.

[media=https://youtu.be/3MiEem2MgDw]

https://www.yahoo.com/news/americans-little-sympathy-murdered-health-223930677.html
LordShadowfire · 46-50, M Best Comment
I hear they could have saved him, but bullet wounds weren't covered on his plan.

Yeah, back in the day, health insurance was like the wild west and all kinds of crazy plans were possible. The plan could say "we cover everything" but the fine print might say "capped at $10K." There were a lot of inexpensive plans with trap doors like that. Of course the biggest trap door was denying coverage based on pre-existing conditions.

The ACA is a set of regulations on health insurance that sets minimum coverage standards and blocks those trap doors. So the cheap does-almost-nothing kinds of policies disappeared. Most companies that provided insurance to employees had people to research the plans and get plans that wouldn't leave employees high and dry after $10K; those plans didn't need much alteration for the ACA.

According to these folks although there was some churn in the non-group insurance category where 2.6 million lost their plans, most group plans met ACA standards, such that over 95% of the 200+ million insured DID keep our plans and doctors.
https://www.healthaffairs.org/do/10.1377/hblog20140303.037517/full/
ViciDraco · 36-40, M
I had it and it was pretty decent, but that's because we had "a Cadillac plan" through work. My cancer surgery (hemipelvectomy) and hospital stay was fully covered. But again, that was because I had an awesome plan through work. Our benefit was cut back after the ACA for reasons I am still sus about. I definitely blame those cuts on the company and not the ACA though. We're now on Cigna and I'm thinking it was yet another minor downgrade of our eroding benefits over time. I've not had coverage denied, but I've been hearing it more and more among coworkers lately.

It's time to embrace Medicare for all.
SatanBurger · 36-40, FVIP
@ViciDraco Mine was out of pocket but they directly lied, they said it was full health coverage. I actually got two hundred back. However they didn't pay the other months I lost which was like four months in total I think. Out of all the money I lost they gave me two hundred back. I don't remember specifics but it was just dumb 😕
ViciDraco · 36-40, M
@SatanBurger These companies have so many plan tiers that it is impossible to compare stories as customers of the same business. Any decently large insurance company has everything from a full service with a happy ending plan to a we are actually rooting for you to die slowly plan.
Peaceandnamaste · 26-30, F
Healthcare should be for all and not denied to any.

 
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