Hawaii Health Connector

[HereOnThePrimalEdge]

quote:

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Originally posted by peteadams

You have to pay for it because that's the way insurance works.

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I have had health insurance with HMSA (private insurance company) since 1990. Under the Affordable Care Act I now have insurance with... HMSA (private insurance company). I haven't had any problems with them in the past, and don't expect any in the future.

I HAD car insurance with AARP (private insurance company). That is, until I rented a car. I called first to find out whether my existing policy would cover the rental, and was told it would. A school bus kicked up a pebble and dinged the windshield of the rental. I called AARP to file a claim and was told, "Oh.... you're only covered if you rent the exact same style and model vehicle as you have under your policy. It took three call backs to get them to pay for the windshield. Later I talked to a friend who told me they knew someone who worked for AARP, and the claims adjusters were told to always deny the claim on the first call. The adjuster who could turn down the most claims won a free trip to the Caribbean.

My home owners insurance policy (private insurance company) is a nightmare. Every year they make up reasons to increase the premium. Construction costs goes up, your home value and premium goes up. Construction costs go down, your home value and premium still goes up. Your contents are considered to be 25% of the value of your home, no matter what the value actually is, but of course you must document and itemize everything or they pay nothing. If you itemize and the contents are 10% of the cost of your home, you still pay 25%. If your house is insured for $400,000 and you have a total loss, then you rebuild for $350,000 they keep the $50,000 even though they forced you to insure for the higher amount, and took your payment for that higher amount.

I could go on, but your best case scenario for health, car and home insurance is the same. You pay them a big pile of money, and if you are very, very fortunate, you never have to ask for any of it back.