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Originally Posted by GenuineRisk
Fact is, these insurance companies go in AFTER you've incurred a major medical situation, and scour your records for anything, anything that they could use against you. It might not even be related to your current situation; it doesn't matter. And you can say, "But... but... technically they aren't canceling coverage" but the end result is exactly the same. You end up with bills you can't pay and the insurance company maintains their record profits. They're happy to take your money while you're healthy, but when it's time to provide service, forget it.
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Exactly. I was talking to a person in the U KY billing department, and she said the major insurance companies are retroactively denying claims they have
already approved and paid in record numbers, demanding reimbursement from the hospital, telling the hospital they have retroactively applied recission.
And it's because they have divisions that go back through medical records, months after the fact in some cases.