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Originally Posted by Wagner
And there is no law requiring a HMO to do a surgery they deem experimental, regardless of success rate.
I guess for all the surgeries the HMO covered that saved lives, and one died, those odds aren't that bad.
Should check out why Scottie's husband had to wait 12 months to have a knee operation that is routine in the US....( http://www.xoutpost.com/410840-post13.html) |
The answer is that the insurance companies should not decide themselves what they will and will not cover. There should be laws that decide that. The insurance companies can decide what they will charge for insurance, but there should be clear guildlines as to what they will and will not cover. The problem is that most people are not medical experts, so they don't know what sort of items they will need covered until it's too late and their policy does not cover what they need done.
As for Scottie's husband, is he still alive? Obviously it is terrible that he had to wait, but in the case of this girl, she died while waiting.