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(Daily Mail)   Sad: Man diagnosed with leukemia. Sadder: He was fired after taking three months off work to start chemotherapy. FARK: His insurance carrier dropped him when his wife accidentally left the 26 cents off of a check for the $518.26 premium   (dailymail.co.uk) divider line 117
    More: Asinine, bone marrow transplant, Sergio Branco, U.S. Department of Labor, health insurance  
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6957 clicks; posted to Main » on 14 Aug 2013 at 3:39 AM (1 year ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2013-08-14 12:21:07 AM
farker has got a case.

Aint no way that any judge or decent citizen would find this acceptable considering that it is completely negligent in its effect on the bill.
 
2013-08-14 12:28:18 AM

cman: farker has got a case.

Aint no way that any judge or decent citizen would find this acceptable considering that it is completely negligent in its effect on the bill.


You overestimate the compassion of the American Health Insurance System, and/or the common sense of our Judicial system.
 
2013-08-14 12:33:00 AM
I'm not certain that the Daily Fail has gotten all the facts right.
 
2013-08-14 12:48:15 AM
AML is no fun. Hope the bone marrow transplant works. Fark cancer.

/ Go Team!
 
2013-08-14 02:07:44 AM

SilentStrider: cman: farker has got a case.

Aint no way that any judge or decent citizen would find this acceptable considering that it is completely negligent in its effect on the bill.

You overestimate the compassion of the American Health Insurance System, and/or the common sense of our Judicial system.


A good plaintiff's attorney might make some hay out of this... or it could provide an even better reason to entrench recent healthcare reform.
 
2013-08-14 02:24:57 AM
Seems to me he needs to sue his wife. It ain't the insurance's fault she's a dingbat!
 
2013-08-14 03:26:58 AM

cman: farker has got a case.

Aint no way that any judge or decent citizen would find this acceptable considering that it is completely negligent in its effect on the bill.


That still leaves the question, will it be a case for the patient himself or for his family after his death?
 
2013-08-14 03:46:08 AM
Some countries have laws against firing people who are on sick leave, pregnant ... without a very urgent reason.

/just sayin'
//not yours
///you can't have
 
2013-08-14 03:46:13 AM

Bucky Katt: I'm not certain that the Daily Fail has gotten all the facts right.


Daily Fail links to NJ.com, it's right there in the post. Why not click that link, and you can tell us what the Daily Fail missed.
 
2013-08-14 03:48:49 AM
AML is some farking bullshiat.
 
2013-08-14 03:53:12 AM
Yeah yeah yeah, come on, Fark, let's get to the good stuff. Where's the Personal Responsibility Brigade of the Fark Independent™ Free Army to tell him he knew the risks when he accidentally paid 99.995% of his insurance premium?
 
2013-08-14 04:00:29 AM

semiotix: Yeah yeah yeah, come on, Fark, let's get to the good stuff. Where's the Personal Responsibility Brigade of the Fark Independent™ Free Army to tell him he knew the risks when he accidentally paid 99.995% of his insurance premium?


So let him pay a late fee on top of the 26 cents and send him the invoice.  Done.
 
2013-08-14 04:01:22 AM

Philbb: cman: farker has got a case.

Aint no way that any judge or decent citizen would find this acceptable considering that it is completely negligent in its effect on the bill.

That still leaves the question, will it be a case for the patient himself or for his family after his death?


Exactly. :(
 
2013-08-14 04:08:45 AM

RoyBatty: Bucky Katt: I'm not certain that the Daily Fail has gotten all the facts right.

Daily Fail links to NJ.com, it's right there in the post. Why not click that link, and you can tell us what the Daily Fail missed.


I'm just amazed that the Daily Fail is taking a stand against an insurance company this time instead of the NHS.  Of course soon enough this article will be lost in the wharrgarbl... like tears in the rain.
 
2013-08-14 04:09:53 AM
26 cents or 26 dollars or 260 dollars, where do you draw the line?
 
2013-08-14 04:10:22 AM

phrawgh: 26 cents or 26 dollars or 260 dollars, where do you draw the line?


Not at 26 cents.
 
2013-08-14 04:12:35 AM
Damn socialised medicine.
 
2013-08-14 04:13:26 AM
My first hand experience with this was with my girlfriend, breast cancer and Aflac.  We were and are shiat poor folk with minimum insurance packages through the small companies we work for.
Yet Aflac covered everything and way more.  We had fallen far behind on her car payment, and when our agent found out she got it paid in days (even though I had a car).  Every day of work she missed she got paid the amount she would have gotten from her work.  It was totally the opposite of what I had expected.
I always wondered if it was just because if was a companies package, so they could afford to be generous because they could raise the premiums on everybody, or if we just got lucky with nice people or what.
 
2013-08-14 04:17:19 AM
My favorite part is how there's a law against terminating insurance for a small amount unpaid.
 
2013-08-14 04:22:14 AM
Terminal plus screwed by the man... Sounds like postalarity is due to ensue.
 
2013-08-14 04:23:10 AM

phrawgh: 26 cents or 26 dollars or 260 dollars, where do you draw the line?


The important thing: were they given a chance to correct the error, or were they simply cut off? Errors can happen in any amount, so simply having a reasonable chance to correct a minor mistake is definitely something the the average person would expect, and considering the importance of Insurance a minor mistake shouldn't result in a cancelled policy without a few attempts to rectify it.

/Not clicking the Daily Fail to find out whatever half story they've put up, however.
 
2013-08-14 04:24:12 AM
Meanwhile, she's two months ahead on his life insurance payments, you know, just in case...
 
2013-08-14 04:25:52 AM
Technicalities kept a friend from receiving tens of thousands of dollars from her brother's insurance company when he died relatively suddenly.

This country sucks.
 
2013-08-14 04:26:30 AM
My best friend just announced his aml has reappeared after his transplant. Preparing to go through the process again...
 
2013-08-14 04:28:30 AM
Saddest: It's a Daily Fail article.

/and hence I will consider it to be a work of fiction without a *real* source to back it up
 
2013-08-14 04:28:41 AM

cman: farker has got a case.

Aint no way that any judge or decent citizen would find this acceptable considering that it is completely negligent in its effect on the bill.


I'm playing him the song of my people on the tiniest violin I can find!

/ life's tough; then, you die
 
2013-08-14 04:36:30 AM

phrawgh: 26 cents or 26 dollars or 260 dollars, where do you draw the line?


Well one thing I like to point out is that there are in general laws on the books about 'good faith'  Essentially you're supposed to enter into contracts in good faith.  These laws of course are not enforced because 'capitalism' or whatever, however they should be long and hard. Canceling a cancer patients insurance because they were $0.25 short one month is bad faith, the insurance company should be made to suffer for that.
 
2013-08-14 04:42:16 AM

gibbon1: phrawgh: 26 cents or 26 dollars or 260 dollars, where do you draw the line?

Well one thing I like to point out is that there are in general laws on the books about 'good faith'  Essentially you're supposed to enter into contracts in good faith.  These laws of course are not enforced because 'capitalism' or whatever, however they should be long and hard. Canceling a cancer patients insurance because they were $0.25 short one month is bad faith, the insurance company should be made to suffer for that.


Ahem, 26 cents short.
 
2013-08-14 04:43:30 AM

gibbon1: phrawgh: 26 cents or 26 dollars or 260 dollars, where do you draw the line?

Well one thing I like to point out is that there are in general laws on the books about 'good faith'  Essentially you're supposed to enter into contracts in good faith.  These laws of course are not enforced because 'capitalism' or whatever, however they should be long and hard. Canceling a cancer patients insurance because they were $0.25 short one month is bad faith, the insurance company should be made to suffer for that.


Try to short the DMV $0.25 for your license renewal.
 
2013-08-14 04:50:04 AM
Oh yeah! 'Murica!

/from the socialist hellhole Sweden
//where you'll get a reminder + fee before cancellation
 
2013-08-14 04:56:02 AM
This thread delivers.....the trołls!
 
2013-08-14 04:57:39 AM
They don't just cut you off.  There is a statutory notice of cancellation for non-payment, which means if the payment would have been timely in the first place, then the notice would have prompted them to look into why they received the notice when payment was received.
 
2013-08-14 04:58:00 AM

Old Man Winter: My first hand experience with this was with my girlfriend, breast cancer and Aflac.  We were and are shiat poor folk with minimum insurance packages through the small companies we work for.
Yet Aflac covered everything and way more.  We had fallen far behind on her car payment, and when our agent found out she got it paid in days (even though I had a car).  Every day of work she missed she got paid the amount she would have gotten from her work.  It was totally the opposite of what I had expected.
I always wondered if it was just because if was a companies package, so they could afford to be generous because they could raise the premiums on everybody, or if we just got lucky with nice people or what.


AFLAC is kind of expensive for the type of coverage, but they have a superb claims record.  They really are policyholder centered.
 
2013-08-14 04:59:01 AM
There's a person in the chain somewhere at the insurance provider's that had this case land on their desk and made the call to deny. I would really like to hope that they felt some guilt at cutting this guy off and giving him a death sentence.

A large part of me instead thinks (in the current climate) that the clerk was thinking of bringing it up on their next performance review to prove their diligence....
 
2013-08-14 04:59:29 AM
$500.000 for a bone marrow transplant!? Holy shiat.
 
2013-08-14 05:00:12 AM

broadsword: There's a person in the chain somewhere at the insurance provider's that had this case land on their desk and made the call to deny. I would really like to hope that they felt some guilt at cutting this guy off and giving him a death sentence.

A large part of me instead thinks (in the current climate) that the clerk was thinking of bringing it up on their next performance review to prove their diligence....


Good job for a sociopath.
 
2013-08-14 05:01:27 AM
There is some missing information.  Usually, if your short, the insurance company sends out a little notice or gives you a call.  Depending on how the IT is set up, they may be able to hold a small balance without causing a lapse (and you make it up later).

I'm guessing our patient has some history of noncompliance.
 
2013-08-14 05:07:29 AM
The insurance company was technically correct.

4.bp.blogspot.com
 
2013-08-14 05:07:38 AM

broadsword: There's a person in the chain somewhere at the insurance provider's that had this case land on their desk and made the call to deny. I would really like to hope that they felt some guilt at cutting this guy off and giving him a death sentence.

A large part of me instead thinks (in the current climate) that the clerk was thinking of bringing it up on their next performance review to prove their diligence....


Actually, there wouldn't be. There may be someone in a review process once a complaint about the cancellation had been lodged, but in terms of the original cancellation process - if the funds do not exactly match, there'd be a set process laid out for either very low level workers or just a simply automated system to cancel at a certain date... after any required warning/s were sent and the mandated time elapsed without a response from the insured. If the insured did respond but this wasn't noted, then this would be part of the complaint review process - and then you're talking about a possible someone (mid level manager) making a call to deny.

What is really interesting about this is that most companies have a built in tolerance for cash matching against premium to avoid these issues (usually $1-$3), given that it's very very common for people to round their payments to the nearest dollar. Oddly, quite a few people round up....

/why yes, I do know a lot about this subject...
 
2013-08-14 05:18:08 AM
SO if the guy was to go on a killing spree, targetting his former employer and the insurance execs and their families he'd get a jury nullification?
 
2013-08-14 05:20:57 AM
Michael Moore is laughing his ass off.
 
2013-08-14 05:24:41 AM

bifford: Michael Moore is laughing his ass off.


How often has he been returning to Cuba in order to receive his premium health care?
 
2013-08-14 05:28:08 AM

paulseta: Oddly, quite a few people round up....


I often overpay bills by rounding up, because I know that the amount will be applied to future bills, and provides a buffer against an accidental low payment. I also do it on monthly bills that do not change in amount because I often forget the exact weird dollar amount and just round up. My landlord got nervous when we were a few hundred bucks ahead, so now I round up to the nearest hundred and check the balance in December and get a nice Xmas treat of lesser rent for that month. :D I know it's stupid and if I simply put the money in savings I'd have that plus the interest.

LALALALALA I can't hear you. ;)
 
2013-08-14 05:29:10 AM

FullMetalPanda: SO if the guy was to go on a killing spree, targetting his former employer and the insurance execs and their families he'd get a jury nullification?


Not saying I condone such an action, but I understand.
 
2013-08-14 05:33:44 AM
Meanwhile in Canada he would have had his cancer treated without crippling debt or unemployment. USA #1!
 
2013-08-14 05:37:54 AM
FTFASergio Branco's doctor also pleaded for help on their behalf by writing a letter to the companies.
He wrote that Mr Branco 'will most certainly die in the very near future if he does not proceed to transplant; therefore I am writing to request that every effort be made to reinstate his health care insurance coverage'.


 That's the caring medical profession for you. "Give us money or we will let this man die".
 
2013-08-14 05:45:33 AM

Oldiron_79: FullMetalPanda: SO if the guy was to go on a killing spree, targetting his former employer and the insurance execs and their families he'd get a jury nullification?

Not saying I condone such an action, but I understand.


He'd get free health care in prison too.

/not saying I condone it...
 
2013-08-14 05:51:45 AM
It's  better that his insurance was dropped by an insurance company, than to have free healthcare paid for by the government, because the government is evil and insurance companies always do what's best for Americans, because they are a free market capitalist enterprise, which is how Jesus created the USA.
 
2013-08-14 05:55:00 AM

cman: farker has got a case.

Aint no way that any judge or decent citizen would find this acceptable considering that it is completely negligent in its effect on the bill.


Except for the silly little detail that, because they knew which legislators to bribe, you can' sue your insurance company.
 
2013-08-14 06:02:53 AM

broadsword: There's a person in the chain somewhere at the insurance provider's that had this case land on their desk and made the call to deny. I would really like to hope that they felt some guilt at cutting this guy off and giving him a death sentence.

A large part of me instead thinks (in the current climate) that the clerk was thinking of bringing it up on their next performance review to prove their diligence....


You wouldn't think it would be possible, but insurance companies have been caught red handed paying their employees a bonus when they come up with some excuse to cancel the policy of someone who needs expensive treatment.

For example...

The state Thursday slapped a $1-million fine on Health Net Inc., the Woodland Hills-based insurer that acknowledged last week that it set goals for cancellations and paid bonuses in part based on how many policyholders were dropped and how much money was saved.

The fine comes amid a broad investigation the state began early this year into how frequently insurers cancel policyholders' health coverage after they get sick and run up large medical bills.
 
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