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 Stephen E. Chambers My name is Steve Chambers and I live in the state of Maryland. My wife and I switched health insurance providers from Aetna to Blue Cross thru our broker on Feb. 1st 2007. In order for Blue Cross to insure me, the Blue Cross underwriter demanded that I agree to 2 pre-exisiting conditions for a waiting period. I agreed. The rejected bill in exhibit 2 has no remote relation in any way to those 2 agreed upon pre-existing conditions. The office visit was for a common cold turned into bronchitis. I contacted BCBS on this issue and they claim that they had never got proof of previous insurance so everything would be considered pre-existing. Seems to me that the BCBS underwriter should have covered that as part of their due diligence. I then got the letter from Aetna (my previous insurer) as proof of past coverage (there was no break in service between plans) and I faxed to BCBS. I contacted them again after no action was taken on their part to reproccess my claim. They claim to have never gotten my proof of prior coverage letter from Aetna. I faxed it again, and again, and again. Still they claim to have not gotten it. I asked specifically for proof of receipt of this letter and they flatly refused to acknowledge receipt in writing to me. On April 30th, a manager at BCBS agreed to reprocess my claim that day. Again, I asked for this in writing and was turned down. But 10 days later, my claim is still not satisfied. BCBS flatly refuses to recognize my previous coverage as creditable coverage. This is in violation of the Federal HIPAA laws. So every month I pay my BCBS premium, I effectively have no health coverage at all. Does this seem fair to you? |
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