Re: Re: Cigna sucks

[Guest guest]

Rhonda:

You seem to be so on top of what is happening I hesitate to comment, but

here goes:

1. If you speak with the ins co by telephone confirm the

telephone conversation in a brief letter to the insurance company

2. PUT A 'DATE CERTAIN' IN THE LETTER. This is soooooo

important. Always close a letter or T/C with a request for a response by a

certain date. Always. Always. Always date

everything. Always put your identifying numbers.

3. KEEP COPIES OF EVERYTHING, it may help with appeals etc.

later.

4. If you have not received a response by your rquested date,

IMMEDIATELY send off another letter with a copy of the first politely asking

for a response to your earlier inquiry. An example:

August 15, 2000

XXX Ins Co

XXXXXX

XXXXX,XX

RE: Your name and account number

Dear Ms.

Thank you for assisting me on the telephone this afternoon.

I understand from our conversation that I will do the

following:********************* and/or that you will do ****************.

May I please have a response by (three weeks hence)

Sincerely,

etc.

Part of the reason these insurance companies get away with these delays is

because people don't keep contemporaneous records and copies of everything

to proove what was told and what they did. I know it is easier to do

everything over the telephone, but that way you have absolutely no proof of

what transpired. None. Also no record of how far along you are in the

process.

Depression is so unbelievalily debiliating. and there is nothing anyone can

say. Nothing. I'm afraid for you, and hope, if you do nothing else, you'll

take your e-mail to a friend and just ask them to put their arms around you.

It's my only sugestion.

Judith in Seattle

Re: Cigna sucks

> I'm sorry you are having problems with your insurance company too. I

> know there are many who are. It seems it would make me feel better

> to know I am not the only one fighting an insurance company but it

> somehow just makes me angry. It really ticks me off that the

> insurance companies have more say over what happens to us than our

> own doctors that have known us so long. I have been going to the

> same doctor for about 35 years. I think he ought to know better than

> people at the insurance company that has never even met me what is

> best for me. I can't even get the insurance company to tell me what

> they are missing to get the surgery covered under medical necessity.

> They just keep telling me to have the doctor call them. When I told

> the doctor, he said, " I don't know what else I can tell them. " I'm

> really afraid he is not going to play their game and I will be the

> one left holding the bag. I am so frustrated!!! I have problems

> with depression as it is and I am one that gets more depressed when I

> get upset and angry. Instead of the anger giving me the push I need

> to fight, I get really down and have to force myself to go to work

> and do the daily things I need to do. I just don't have the energy

> or the desire to do anything else. I have been fighting that big

> time the last couple of weeks. Thankfully I do have people that

> knows that about me and has been a help in not allowing me to get

> down to far. At this pont I am still functioning. I have some good

> friends on this site that keep reminding me why I need to hang in

> there and fight. I am trying to do one day at at time right now.

> Keep in touch. Let me know how things are going for you. I'll pray

> that we all get our turn in God's time.

>

> Rhonda

[Guest guest]

Well at least you got that far. lol which isn't that far. I think you are

right, they want us to get tired of the fight and pay for it ourselves. cigna

just says that it is your companies fault well not my company it is my

husband's. any how good luck hope you can get it all straight soon. hugs and

slugs marg