Insurance companies are not altruistic - they are like any other business in that they strive to take in as much money as they can while paying out at little as they can. That is simple Business 101 stuff.
And they are shameless - they will do, say, and try Anything to avoid paying out.
And don't forget - the longer they delay paying out - the more income value the money has produced for them. They 'get paid' to wait to pay out.
And also: paying out now cuts off any chance that you will, for example; die and your estate will just settle-up, etc.
The insurance company has every incentive to delay and zero incentive to pay. And especially zero incentive to pay out sooner rather than later.
I would start by first questioning the bills, each time one comes - call and ask about it. Say: What is this? I didn't expect this. I didn't authorize this. Why was this done? I didn't ask for that. And also: this seems like you are scamming me - this shouldn't cost this much. Couldn't it have been done less expensively? I'm only nineteen years old. I think I'm being taken advantage of here. This doesn't seem right to me.
Etc, Etc, Etc. - it's not vital exactly what you say - but act confused, question everything, over and over, and Always keep them on the phone as long as possible. They have a calls-handled quota and get friction if they don't meet it.
Some other good ones are: "Can you repeat that?" "What was that last part?" OK; let's go back to the beginning - I'm getting confused / I must have missed something / you must have left something out / that doesn't make sense to me.
And: "Hold on - can you go a little slower? I can't write that fast - I'm trying to take notes."
After any explanation they give you you can also say: "Hold on a minute; I need to get a pen . . . OK; can you start over? I want to write it down this time."
After a month or two or three of that fun - then start asking for a copy of the bill - you must not have gotten it / you don't remember getting it / you must have lost it.
If they send you copies - then call and ask for an explanation again, to have the bill itemized better, ask who ordered this, etc.
Make the lower-down people dread your calls - because they can get rid of you by paying out the money from the higher-ups. And eventually they will - because you will make it in their best interest.
As the process plugs on you can later ask: Is there any way you can discount this bill? <g>
Originally Posted by Delmarva
I fucking hate insurance BS