this post was submitted on 05 Dec 2024
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Did you appeal it? Insurance companies bank on people not appealing when they get denied, even if their policy should cover it.
The older I get and the more I learn about health insurance, the more I realize how accurate that scene from the beginning on The Incredibles with the little old lady really is. I just saw somebody last night say how most claims that are appealed get approved except for cases of incorrectly submitted forms by hospitals and the like, and pretty much all hospitals are required to have a financial assistance program that can end up getting potentially 100% of any debt you have from a procedure absolved. Insurance companies make their money by making the system as difficult to get through as possible, but if you know how to deal with it, you can save yourself tons of money (at the expense of jumping through plenty of hoops).
The hospital just wrote it off instead, so the cost was passed to the Canadian taxpayer. Lucky for me, but frustrating all the same. I would have rather the insurance pay like the were supposed to.