So if you went to the doctors and they told you that you needed "procedure X" but it's not covered under your health policy because the owners of your company are Muslim and "procedure x" is in conflict with their religious beliefs but you could certainly have "procedure x" you just need to pay for it out of your own pocket you would be okay with that?
See, you are making big assumptions with your rag doll theories.
I would be OK with joining a class action against it. I would be OK, with seeing that un-cover the ruin of my very company. Or, I would beat feet, and join their competition. Or I would shrug and say, "hey, another self insured situation."
There are so many of those it makes my head swim. And it all hidden and all lied about by jerk clerks on the phone. It is getting worse, not better.
And the main assumption you make, being so healthy I suppose, it that you won't
always tangle with these heath care providers, regardless, if you live that long. The job of all insurance is to DENY your claim. That is real, across the board. And it is nothing new. I was $40K in the hole to these suckers at one point.
I am in a paperwork game right now.
them - what is the service location code?
me - xyz Hospital
them - No, sir, the location code.
me - you can't find what the location code is?
them - no, you have to get that from the hospital
me - Hospital, I've read all the paperwork. What is you location code?
Hos - what is a location code? we have never even heard of that.
Oh doer must have a shit plan. Oh no.
I slave my BUTT, and I work on a top shelf, of one the Premier Tech Companies in the world.
I have, (still have, fingers cross) a Rocket Sled plan. Forget about Cadillac.
This plan startles even my expensive, Specialists. Yet, they still play stupid buggers.
The entire argument is specious, because, like the ACA, this is now the Law.