Ok, so we were switching insurance companies at my office and our OO screwed up and we all wound up with a lapse in coverage. Oops! So now my pre-existing conditions (epilepsy) aren't covered by insurance for a year. Oh well, the company is liable for it, not me.
But last October, I got bitten by one of my cats, and the bite got infected. I went and saw a doctor and they prescribed me penicillin. I had an allergic reaction, and had to see another doctor, who gave me some antihistamines and at the same time gave me a physical and did some routine bloodwork (cholesterol, liver, and what not).
Ok, well freaking SOB United Healthcare has held payment on that bill pending further information "because they believe the treatment may have been for a pre-existing condition." Meanwhile, I've got medical bills out the wazoo for this crap and collection agencies now on my ass?? WTF!?
My agent is nice enough about it, but powerless due to new HIPAA privacy laws, and WTF is with collection agencies ?!?
I realize what's going on, and I don't like it one bit. The insurance company realizes that it's not a pre-existing condition. The history of the claim and the specifics of the treatment would tell anyone that it's not. They're holding off intentionally so that I'll get scared of these collection notices and go pay the bill to avoid my credit being affected. It's f**king unreal. Does anyone know of any free service where I can make an official complaint about how United Healthcare is handling this thing? I'm livid about it.