Question:
What if my company switched providers mid-stream???

I began this process in July, 2001. My first appointments were scheduled for the beginning of August. I found out that my company insurance was changed effective August 1, 2001. I was assured by the employer carrying the policy that the coverage would be the same, just with a different underwriter. The old policy covered surgery "if medically necessary", so I proceeded with the process. I completed all pre-op testing, and my information packet was submitted for insurance approval three weeks ago today. I called today, and was informed that the surgery was a policy exclusion. I asked them to read this to me, but they said they didn't have the policy in front of them, but my request was denied. I can't apply under any new policies for 12-24 months, due to it NOW being pre-existing. I've yet to receive insurance info from this new policy. I spent 4 hours crying, then got back on here to ask you guys... Do I have any legal recourse in this matter??? ANY info would be appreciated!!!    — Michelle B. (posted on September 19, 2001)

September 20, 2001
Unfortunately health insurance benefits are just that, a benefit. Your employer doesn't HAVE to give you any health plan. Perhaps start thinking about becoming a self-pay patient. Anything is worth your health.
   — [Anonymous]

October 10, 2001
I visit this site because as a general rule the people are helpful, and I can get answers to serious questions I have without feeling like an idiot. I appreciate the numerous caring people who take the time to answer questions and give tips in a non-judgemental manner. I do not, however, appreciate the snide comments received from anonymous people. Pardon me for not being an insurance guru. Pardon me also for not having tens of thousands of dollars to be a self pay patient. I realize that my health is at risk, as I live inside this body on a daily basis. I also realize that benefits ARE JUST BENEFITS, but didn't know if there was some loophole somewhere given the circumstances of the policy change. I think I'll endure the ups and downs alone now. This has been a very emotional issue in my life and I don't need any more stress. Many thanks to the masses who make this site great!!! But sadly, the few "anonymous" ones have run me off.
   — Michelle B.