It's midnight and your young child is screaming in pain. You have sought desperately to understand what is going on and have taken every measure you can think of to alleviate the symptoms. After being wholly unsuccessful in efforts to help your loved one, you rush to the local emergency room for help.
A former medical director for one of the country's largest health insurers perhaps thought he was engaged in a rather run-of-the-mill deposition a while back in a matter concerning insurance denial for one policyholder.
Sometimes an insurance coverage dispute and resolution can make some key points without being a high-value claim. We think that the following story will readily resonate with many of our Oklahoma readers.
The reality for some insurance policyholders in Oklahoma and elsewhere with serious injuries or illnesses is that they can't catch a fair break at the doctor's office.
So-called step therapy helps "to ensure better outcomes and affordability for everyone," says an insurance company spokesperson.
The following story conveys precisely the kind of news regarding insurance companies that makes legions of policyholders wary and even fearful when dealing with them.
When it comes to mental illness, many people in Oklahoma and nationwide suffer in silence. After all, while some illnesses or injuries clearly manifest themselves in ways that make it apparent that the person is hurt or sick, mental illnesses generally carry no physical monikers. Yet, this does not mean that they are no more or less serious than other types of illnesses.
If you are disabled and collecting payments under a long-term disability policy, that's pretty much a done deal, right?
It happens all the time.
A teen-aged girl living with epilepsy-linked seizures had high hopes a couple months ago in the days immediately preceding scheduled surgery to relieve her of her life-altering symptoms.