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You got somethin' to say?

it wouldn't happen to be UHC, would it??

I've about had it with those people!
 
PSA - stay away from all companies listed above!!

(and Farm Bureau Insurance! - we went round and round with them before I finally dropped their stinkin' coverage!)
 
UHC is tryin' to say that the ambulance transport wasn't for an actual emergency. How insane is that?? Admitted through 2 ERs AND underwent emergency surgery and the ambulance wasn't an emergency transport.....I don't get it...
 
finally! I think things are starting to get on track with this insurance mess. They were denying claims because they were waiting on a letter from the auto insurance. I thought we'd sent the right thing a couple of weeks ago, come to find out, I was wrong. Nice of them to let me know that's not what they needed though. *sigh*
 
okay wind, you can stop blowing ANY time now. You've already snapped off a couple of my squash plants. Enough is enough!
 
LOL!!! Love the wind! (not really)

We had a horrid freak storm here last October 13 and most of the trees in our area were destroyed. Thousands were taken down and the few that are left look terrible - and now that they are starting to bloom - YUK!

We lost our beautiful trees here.

It will take a lifetime for them to replant and grow. ook slike ghost town in to many places.
 
I hate the wind. I went to college in a town that's notorious for the wind blowing ALL the time (it's flat for MILES around). By our last semester the wind became reason enough not to go to class. :p

(when we transferred to a bigger school, my friend and I used to use the same excuse...we always had a reason for not going to class - the wind is blowing, it's raining, it's cold, the sun is shining :p It's a miracle we both had such high GPAs!)
 
In all honesty - anything past 30 - 35 is too much for me! There is no way I could live in the "windy city" (Chicago)!

We get enough wind here - and I absolutely HATE it. A few times it hit 80+ and I thought I was going to die!

We get snow up our hineys - and even that I am beginning to dislike. It's not fun anymore getting these big snow storms, ice storms, etc.

I'm a fair-weather person........
 
Ok so I have a vent or rather something to say....


Dear Husband of Mine:

I am tired of you switching jobs like they are a pair of underwear. Decide what you want out of life and deal with it. You are not going to be rich overnight it takes time. While you are changing jobs every so many months it is causing us to not have a savings cause we are dipping into it. I can't work more than I already am (2 jobs) plus go to school (working on masters). You need to grow up and get out of your mid-life crisis.

Wind please stop blowing at 45 mph. I don't need another tree to fall and ruin anymore fence. As well I can't plant the rest of my garden and flowers.
 
okay, could you all look over a letter for me and tell me if there are any changes needed?

United Healthcare:

Ambulance coverage:

On March 22, 2007 my husband (Adam ****) was involved in an automobile accident. Injuries from this accident required an ambulance transfer from the scene of the accident to ABC Municipal Hospital for x-rays. He was then transported by ambulance to XYZ Medical Center due to the severity of the injury. The ambulance transports were medically required due to the sustained injury. UHC has denied payment on the ambulance fees ($1150.50), stating it was for a non-emergency. This is not true and I would appreciate the correction and appropriate coverage to be applied.


Surgeon coverage:

When my husband (Adam Kozak) was transported to XYZ Medical Center (in-network provider), it was based on a medical emergency. Once he arrived at XYZ, he was immediately prepped for surgery. Due to this being an urgent situation, he saw the surgeon on-call, Dr. *****.

After receiving an EOB from UHC, we have come to find out that Dr. ***** is considered a non-network provider. I can understand being responsible for non-network charges for a procedure if it had been previously scheduled, but in this situation, Adam had no choice but to see the doctor that was available in the hospital upon his arrival.

Follow-up appointments with Dr. ***** were also required due to the severity of the injuries.

I would like to request that in this urgent situation, Dr. ***** be considered an in-network provider, as there was no time to request an officially listed in-network surgeon. Please apply all surgical and follow-up fees to the in-network deductible.

What do you think?
 
your letter sounds fine - but its the insurance companies - not you - that are the idiots!!! at the end of your letter i would place:

CC: (which means carbon copy being sent to:)
your councilman (name)
your senator (name)
the state attorney generals name
the state department of insurance

which mean that you also sent out a copy of the same letter to all of them on the same day! insurance companies do not like when you do that - then they cannot jerk you around because others in authority will see it

you have stated the truth and given them all the info that is needed - but I would add the dates of each occurence to your letter so that they cannot say you were not giving them all the infor they need - this way they cannot use any excuse

if it was not an emergency - why would your hubbie need surgery??? DUH

and send a pic of the car - you can make color copies of it either on your computer or at a printing place

PS - I would squeeze in a line about the insurance company ACTING IN BAD FAITH - they hate that term used against them!
 
good advice!

I don't want it to sound like I'm just saying "pretty please" and will roll over if they say no, but I don't want to come off as too *****y. It's a fine line to walk. But I want them to know I'm serious.

They don't need to know that I actually requested the surgeon - it turns out he was the on-call surgeon and already at the hospital (he was in surgery when we got there). It would really **** me off if we ended up having to pay double the deductible for a non-network doctor when he was the one available for the emergency.
 
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