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Blog Insurance |
 "Insurance is
a means of protection from financial loss in which,
in exchange for a fee, a party agrees to compensate
another party in the event of a certain loss,
damage, or injury. It is a form of risk
management,
primarily used to protect against the risk of a
contingent or uncertain loss." Source
Wikipedia
As a benefits administrator for a union and
major corporation the below is a result of my
experiences and observations. |
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All
types of insurance be it health, car, home, life
dental, personal, disability, vision, hospital
indemnity, critical illness, cancer, accident,
legal, pet, homeowners, renters, long-term care,
travel, or umbrella are created to provide a means
of preventing drastic loss of money, protecting
life, pain suffering.. Lately the policies being
offered whether it be governmental, corporate or
personal, have become extremely expensive, limiting
and also vague in their coverage. All governments
and business alike, have increased the cost of
coverage and cut back on price supports, mandatory
coverage requirements and increased the limits of
who, what and how the insurance will be
administered. The insurance companies themselves
have denied and limited once offered coverage's,
increased the costs of the insurance, streamlined
customer service (so talking to someone is almost
impossible), and are now are using artificial
intelligence to make decisions once made by doctors
and other professionals. Consequently claims are
being stalled or denied, work to correct the claims
are being put on hold, people are in great deal of
frustration, pain and suffering with death now more
common than before. On one note, why does health
insurance not cover dental and optical? Is the mouth
and eyes not part of the human body? When I asked
this question as benefit administrator I was told
that is the way it has always been and they did not
want to change it!!! |
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