State Farm Policy homeowners Read!

[Mike_Forrest]

Anyone who has has homeowners policy with State Farm should
read this!!!

http://www.policyholdersofamerica.org/newsletter/dec_07/1-2.pdf

[Drawbar]

I hate to say it, but I am becoming immune to this stuff.

For the last 4 years my health insurance has covered Massage. This in not the foo foo massage you see at Day Spa's but a real working massage to get the knots out from logging and working on boats.

Four months ago the insurance company said they will no longer pay for them. So I filed a grievance with the National Teacher's Union on behalf of my wife (who is a teacher and thus whose insurance I am under). Not surprisingly they allowed it for teachers and Hospitals (Union workers who had a collective say in the insurance) while everyone else was denied.

Then last month they denied it for everyone. They claimed they were losing money on premiums even though it was a medical procedure recommended by my Primary car Physician, and the insurance board agreed even though the Insurance company made 212 million dollars in profit last year.

Then last week I had to laugh. They are doing a study to find out why Mainer's have the HIGHEST Emergency Room Visit's out of all the states. It's just a guess on my part but its cheaper for me to go to the emergency room and get pain killers and muscle relaxants that is 100% paid by the insurance then it is to get a massage. If you add up the cost of one ER visit, and the medication, it is WAYYYYY more money then what it cost them to allow me to have 1 65 dollar massage every month. :'(

[Mike_Forrest]

Yes, it doesn't make much sense that some cheaper preventative expenses arn't covered by insurance. One example I found out is that insurance companies will not cover stop smoking aids like the patch or medications, guess they would rather pay for the heart disease or lung cancer treatments later on. It makes me mad that we pay our insurance premiums every month and the price keeps going up and knowing that the insurance companies are being that irresponsible with our money. Also, the insurance companys have most of us stuck like a fish in a barrel, since we can only afford the insurance that our employers are providing. Well, I guess we should be happy we live in a great country where we have access to decent medical care and the right to complain! lol

[walls0stone]

Mike Forrest wrote...
"One example I found out is that insurance companies will not cover stop smoking aids like the patch or medications"

Um, why should they pay for a person to get over a bad habbit? I stopped smoking on my own..why can't others? smokers paid for the cig's... now pay for the patch.

sadly not all who get cancer or whatever have smoked..I'm sure Drawbar and I will die of silo gas or hay dust before we die of second hand smoke.

[MNMOM]

No one seems to be overseeing the insurance companies. They have a whole lot of lobbyists in Washington.

I think that insurance should pay for someone to quit smoking, they pay for alcohol treatment, don't they?

What I have found amusing is that some insurance companies won't pay for birth control pills, but they will pay for Viagra for eighty year old men, doesn't make a hell of a lot of sense to me.

[HockeyFan]

The way you oversee it is to change insurance companies. If the union can collectively move an entire block of customers over to a new insurance company, this gets noticed.
Even if the second insurance company also has the same stance on what they will cover, it gets noticed by both companies. Then a year later, the union can negotiate. Any insurance company would have to listen, or risk losing that block of customers (and their revenue stream).

[Vidman]

The insurance companies are banking on you being insured with someone else later in life when you get cancer.

[SkooliesRock]

In keeping my promise to Snake Farm, this is displayed on both sides, and back of my truck topper:

www.badfaithinsurance.org

Any of you who carry ANY insurance, or are shopping....I suggest you give it a look. Don't pay them for 30 years like I did only to find-out they're a bunch of liars.

[rockymtngirl]

Skoolie - interesting. I have a similar document with the top ten worst insurors - will see if I can find and post.

rmg

[SkooliesRock]

I wished I'd have only known this decades ago. I'd have never believed how dishonest & "political" (like there's a difference?) the insurance industry is.

I've learned a lot over the past few years, the hard way.....and again, too late.

[WRTN]

If you think State Farm is bad, they have nothing on Farm Bureau. Not only do they intentinally HUGELY underinsure policy holders, but they make submitting a claim like pulling allegator teeth......in my humble opinion of course. ::)

USAA is probably the best insurance out there if you can qualify.

[SkooliesRock]

WRTN, look at the link I posted, insurers are listed in order, starting with #1 worst. It's usually a battle between Snake Farm & Falsestate.