Insurance can be so frustrating! I've had my own problems. When I moved to Oklahoma and went to get homeowner's insurance, the insurance company came back to my husband and I and said they wouldn't cover us because we had a past claim on a house. What?!? I later found out the "claim" was actually just an "inquiry" my husband had made before we were married about a TV being struck by lightning. We had to go through all kinds of hoops just to get that inquiry off our record! What a pain!
There's obviously a lot more riding on health insurance. We all have to have it - just in case. And you expect if you need it - you'll be ABLE to use it. But we found a legal practice where some insurance companies will cancel people's insurance retroactively. So even if they pre approve you for a procedure - they can later deny coverage.
This is legal only if it's you who mess up on your original application form (even if it was accidental). If you put down something, and they can later go back at and say, "Hey - we wouldn't have covered you in the first place if we knew you had this condition", then they can cancel your policy.
That's why it's so important for you to answer any insurance forms carefully. Also request your medical records and keep them. As the state insurance commissioner said, your medical records are a lot like a credit report. Once there's something on there, it's hard to get it off. You need to know what's on there- because you better believe if you have a major operation coming up, the insurance company will go over your records with a fine tooth comb.
The lady we featured in our story took the insurance co. to court - and the judge ruled in HER favor! So if your insurance company does something screwy, make sure you complain. The OK Insurance Commission wants to hear from you if you have any problems. Their number is:1-800-522-0071.
We're here to keep an eye out for you!