Changing the Selection Committee's Decision

I know I use this analogy often, but getting declined by an insurance company is similar to getting dropped from the A side. Bloody sucks.

However, one Rugby player decided to get a bit aggressive. He contacted all his physicians. He simply asked if and when his records with the office were updated. He discovered that while the Doctors gave him a clean bill of health, the office management failed to update the charts.

Meaning, the insurance company didn't see the latest info on the Rugger.

A few Doctors were pissed. Good. I'm beginning to be a fan of electronic record keeping, and having DIRECT patient access to those records. (Who's got info on this?)

We re-faxed the updated records to the underwriting department today. They were in AWE.

"Really? This, this and this...all gone?"

"All gone..." as my Son would say regarding a cookie or a hot dog after inhaling them.

Once we have a decision, I'll inform the "populace."

Medical Histories can cross partners...

This has happened to clients more than once... bloody scary.

One applies for insurance.  I don't know how, but the insurance company ends up with the OTHER partners medical information and bases the decision on the wrong history.

Twice...with the same couple...with the same company...as if they didn't get it the first time.  Dumbasses!

Anyway, here's the solution:  Go buy a 12MB finger drive.  Put all your medical info on it.  One, you control your records, and you can see what's in them, but two, you can make sure that the insurance company gets your info, and ONLY your info.

Twice...really?

Who went to the Doctor? Keeping a copy of your Medical Records...

I don't have a Rugby analogy for this one, but it's still important.

Short Story:  Couple goes to the IVF Clinic because one of them have a challenge.  The OTHER partner applies for health insurance.  The applying partner is denied coverage.  WTF? 

Turns out, the IVF Clinic made a note for EACH of them.  Ergo, when the insurance company pulled records, MIB reports, and APS' (Attending Physician Statements), then found the IVF Clinic visit.

Here's the solution:  Gather YOUR medical records onto a zip drive.  Hand that to the agent.  (By the by, this one slipped passed me, but I corrected it, a year later.  Won't happen again.)

Couples, especially with the same last name, MUST keep insurance info separate, and be incredibly meticulous regarding insurance applications.

Failing to mention is almost as bad as a Lie

So, you fail to mention to your club admin that you don't have health insurance. You play, you get hurt, and the club could now get sued.

Gee, Thanks...

Failing to mention a doctor's visit on a health insurance application will cause you ever MORE grief. Once the information gathering service, such as Telemed, or WFI, sees a discrepancy, they'll stand still.

That's right. The company that was hired by the insurance company that your applying to will do NOTHING once a "questionable" bit of information comes up.

The remedy is constant contact between the agent, the PI (Proposed Insured, YOU), and the Underwriter's. Normally, the info gathering company won't bother speaking to you.

Sucks.

But, it's YOU who must fill out the APP completely. Not them. Remember, they're not paid to get you insurance. They're paid to get information. Subtle, but important.

Is the Past, the Past?

If you screw-up royally in a match, how long does it take to get back into the good graces of the selection committee?

If it's an insurance company, could be forever. Especially if you have records from an MD who wrote some difficult things about you.

Basically, when an MD makes a note, it remains with you permanently. This could be beyond your MIB.

What did the ER doctor record about your last visit? What did your pediatrician write? What does your OBGYN say about you in your file?

Don't know? Really.

FIND OUT.

Literally, it's the difference between getting insurance, and getting declined.

Forever.