re: How many of you have truly been screwed over by an insurance company?

I’ve insured a hotdog stand and a chicken farm so yes.

Ladies love a man who knows how to work his wiener.

Carried homeowners insurance for 30 years. No claims. Very high deductible.

Lightning strike, hail storm and wind storm over 3 year period. 2 claims, began to process 3rd claim and was told by agent that they'll cancel my policy. Then I'll be searching for a policy with 3 attempted claims in 3 years, and I'd be screwed.

Never add up how much you've paid to insurance companies over an extended period of time for numerous policies vs payout. It'll turn you into a sky screamer.

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The insurance banks on some percentage of cases being not worth the ordering physician’s time, so they can get away with denying the care because they offered appeal if thought to be inappropriate and the resource wasn’t used. That percentage that they don’t have to pay for (or delay payment for) is worth a lot of money to them.

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You may have some legit complaints. But some of this might stem from some of your colleagues doing underhanded things or patients saving premium dollars which they regret when the coverage is limited. Its easy to get the chorus of negativity toward insurance companies and it feeds on itself. So when a claim is denied in whole or in part people are conditioned to blast the insurer.

$27k out of pocket for a new roof that was obviously damaged. State Farm is compete shite.

Luckily this worked out in my favor but it easily could have gone the other way. In 2001 I had a fully restored, complete and numbers matching 1969 Dodge Daytona stolen from me. I did not make an insurance claim right away due to a tracker on the car. I got it back in the same condition so no harm, no foul and no claim. This car was insured by a separate company that specialized in classic cars on its own policy. My other insurance company that had my home and everything else fed exed us a check a year later after someone getting a copy of the police report. A month later they sent a notice for me to turn the car in since a claim had been paid. Their position was that since it was owned by me it was covered. I had to get a lawyer and fight them. I never cashed the check, which was for about 1/100th of what it was actually insured for, and it took for ever and us filing suit to fix. In the end someone in the local office admitted to the judge that a company exec wanted the car for himself and had the local office come up with all this BS. They settled with us pretty quick when all this came out.

How many times is that graph going to be posted and the person posting it thinks they just dropped the mic.

Which insurance company is this?

If that guy is still employed this is amazing.

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It’s certainly within the realm of error for my office’s finances regarding companies on the list we are in network with. Same for the 2-3 buddies I’ve got into the nitty gritty with.

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You’re lying.

The graph is from acute care claims for the ACA policies for two states in a sinlge year.

It’s literally not possible for an insurance company to deny a 1/3 of its claims.

Just curious would you prefer single payer??