Corporate Reviews

What is actually a health insurance? This is a kind of agreement between an insurance company and a person. Insured pays money regularly and due to this contract the insurer must pay all the medical costs of the insured in case if he or she gets ill. This is rather simple and legal. Then why are there so many issues with private insurance? We will discover this question on the basis of complaints against two insurance companies: Healthcare and WMI.

No transparency in financial sphere.
In Healthcare and MWI it happens really often that insurance companies raise their recompenses but their customers get a notion of it only in the end of the year. And in such situation a person counts on his or her insurance plan but all of the sudden it is found out that the premiums of the insurance company have raised.

Constant delays.
When an insured makes a claim and the sum of it is quite large, then insurance company agents do take their time like in many cases with Healthcare , delaying payments as much as possible, saying that there is a great need to check everything, to get some proofs, etc. In some cases they intend to avoid payments.

No coverage for some treatment.
There is usually a very long list of different treatment or diseases which are not covered. But what should sick people do if everything else had not helped? If this kind of treatment or medicines is the last chance? Besides, most insurance companies do not provide dental care coverage.

They influence the way people are treated.
Sometimes insurance company restricts the number of visits to doctors, because they cover those expensive procedures. Or they can reject to pay for the more expensive kind of treatment, even though it is more effective.

Sometimes there is nothing sacred to people, even such things as other human being’s life, his or her health and happiness. People speculate on everything, leaving no space for something human, good but unprofitable. But who said that medicine is unprofitable? According to the last data, pharmaceutical industry is second the most profitable industry after oil and gas. Doctors are one of the best paid working people. But still, there are a lot of people in this sphere who are not satisfied and thus keep on cheating sick people for more money.

Insurance companies.
According to regular health plan, the insurer is supposed to pay the medical costs of the insured. But it is not always so simple to get coverage or to get the payment for your medical expenses. If a health insurance company will consider you to be a financial burden because of many illnesses, you will be rejected a coverage. Or suggesting you their health plan, an insurance company may ask you to pay more than others do and treat you unfairly. Where are democratic principles? Or insurance company may increase its premiums not making its customers aware about it till the end of the year. Also a company issuing insurance can manage your treatment plan, limiting quality of medicines, number of visits, etc.

Medical centers.
Like in the case with the insurance companies, medical centers have its own range of common troubles their customers cannot stand. On of them is making people addicted to their “health programs” which usually cost a lot and may make people involved in different financial problems. The other thins is that in many medical centers the managers do not care (or maybe that is a policy of company?) for price matching. Thus, some products really cost more than it was written on the sign.