# The Evil of Insurance Companies

**URL:** <https://boards.straightdope.com/t/the-evil-of-insurance-companies/728132>\
**Category:** In My Humble Opinion\
**Created:** [August 18, 2015, 1:18am UTC](https://boards.straightdope.com/t/the-evil-of-insurance-companies/728132 "2015-08-18T01:18:01Z")\
**Posts on this page:** 1\
**Page:** 2

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**Author:** ![flight](https://avatars.discourse-cdn.com/v4/letter/f/bbce88/32.png) [@flight](https://boards.straightdope.com/u/flight)\
**Post date:** [August 20, 2015, 1:30pm UTC](https://boards.straightdope.com/t/the-evil-of-insurance-companies/728132/21 "2015-08-20T13:30:41Z")

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> [@Diceman](#):
>
> If your employer is a fairly large company, the HR guy may be able to blackmail the insurance company with the threat of dumping them the next time open enrollment comes up.

Probably too big. The federal government.

> [@Really\_Not\_All\_That\_Bright](#):
>
> Is the insurer claiming that you misrepresented your medical history?

No. The said they mailed me an “explanation of benefits” (why we are fucking you) when they denied the claim a month ago, but I received nothing. They are mailing another one out now.

> [@GythaOgg](#):
>
> This. APWU is a very very large government group (more than just postal workers) with a lot of special handling stuff that goes on. I’ve got friends and family that have that coverage. If you don’t call the special phone number for that account you’re going to get the wrong answers to your questions. It’s not simple coverage - there are a lot of complications and I believe it is an ‘administrative services only’ group from what I’ve heard from the folks I know.

Yup. This is why I had to eat the cost of most of the procedure myself. I just finished paying it off a couple months ago. Also, good fucking luck trying to get an answer from them when you do call. I had shoulder surgery a year ago. Not wanting to fall into the same boat I called ahead to ask about coverage. They said they might pay for it. The could not say more until I submitted the bill.

Seriously. They told me that even if I gave them a full list of every cost and the code associated with, they would not give me a straight answer on if it was covered or not until it was the final bill from the doctor.

> [@Omar\_Little](#):
>
> Sounds like the OP is SOL due to coverage through the APWU.

Yeah, but seriously, two fucking years? Fine if they do not cover it. Sucks. But two years later?

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