..."Those that have insurance don't need help other than being a bit more diligent in what kind of coverage they have."..
not so...
My healthcare coverage comes with a clause that impacts just about every one of the covered expenses.. it says "XX% of covered expense"... that allows the insurance carrier to deny coverage which leaves me responsible..they wont give me a list of covered expenses.. they say it depends on the services provided....its my understanding that most heathcare insurance in these for profit companies have that clause in their coverages... the more they deny, the more revenue goes to their bottom line...
that's a problem that many people who have insurance are being burdened with... not to mention that to keep my monthly premium affordable, I have to keep reducing coverages... I now have a $5000 deductible and no covered office visits... and my birthday this year will place me in a new age range so that means I may have to reduce coverages once again...
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