• Report: #723853

Complaint Review: HEALTH OPTION ONE - Limited Medical Indemnity Insurance Benefits, underwritten by United States Fire Insurance Company

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  • Submitted: Fri, April 29, 2011
  • Updated: Mon, January 09, 2012

  • Reported By: Joanie — HOUMA Louisiana United States of America
HEALTH OPTION ONE - Limited Medical Indemnity Insurance Benefits, underwritten by United States Fire Insurance Company
PO BOX 21517 Eagan, Minnesota United States of America

HEALTH OPTION ONE - Limited Medical Indemnity Insurance Benefits, underwritten by United States Fire Insurance Company Beech Street, A Viant Network Did not deliver services as promised Eagan, Minnesota

*Consumer Comment: Corporate Corruption and Lies

*UPDATE Employee: Occupy Ripoff Report???

*Consumer Comment: It's not libel if it's true

*UPDATE Employee: Tirade from Tribeca

*Consumer Comment: Patients Rights Have Been Undermined By Tort Reform

*UPDATE Employee: No way to properly respond

*UPDATE Employee: No way to properly respond

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Health Option One is a rip off.  For those who have pre-exisitng conditions and can't get major medical insurance or maybe self-employed, companies like this prey upon us. I purchased this "insurance" in good faith being told it was a limited medical benefit suitable for those who had pre-exisitng conditions and/or self employed.  I have found out otherwise.  Now, I am close to $30,000 in the hole with medical bills they did not cover.

I needed a procedure.  I had to change doctors as my doctor was not a provider on their list. 

Health Option One was contacted by the doctors office on their providor lise for pre approval of the procedure, a facet injection of the vertebra.  It was approved by their representative.  The procedure was done. Cost was about $3,000. 

The claim was submitted by the doctors office with the appropriate CPT codes for billing.  The claim was denied.  Reason: Radiology proceudre only.  This was appealed and then denied again. 

How can a company approve a procedure and then deny the claim?  I am stuck with the bill. 

Also, it is difficult to get through to anyone to talk to about an issue.  In addition, I was told they would cover ER visits.  They did not.  Claims for two ER visits have been faxed twice with the confirmation that fax was sent twice.  The third time, the hospital billing representative sent the fax.  They have consistently denied any claim as not covered. 

Beware.  Do not purchase this insurance.  They are a total rip off.   I am reporting them to my state's insurance commission.  I don't know what else to do. 

Trying to get assistance through the hospital.  For those of you who don't know, hospitals receive funding for those patients who are unable to pay.  There is usually a lot of paper work to fill out and documents (tax returns, proof of income, etc) but it is worth it if you can get some help.  Talk to your health care facility's business manager to find out if there are programs available for self pay patients.


This report was posted on Ripoff Report on 04/29/2011 08:02 PM and is a permanent record located here: http://www.ripoffreport.com/r/HEALTH-OPTION-ONE-Limited-Medical-Indemnity-Insurance-Benefits-underwritten-by-United-States-Fire-Insurance-Company/Eagan-Minnesota-55121/HEALTH-OPTION-ONE-Limited-Medical-Indemnity-Insurance-Benefits-underwritten-by-United-S-723853. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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REBUTTALS & REPLIES:
0Author 7Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Corporate Corruption and Lies

AUTHOR: Anonymous - (USA)

You can try and corrupt Ripoff Report, or any other pro-consumer rights websites for that matter, and no doubt, the insurance industry will try, but you won't be fooling anyone!  Oh, and trying to subvert the Occupy Movement's ethics for your corporate corruption and your sorry risk management strategies are just not going to work either. 

It's because you can't remove these truthful disclosures made in the public interest on Ripoff Report from the Internet, although we know the insurance and medical sectors have played every trick in the book to try (!!) - that now you're trying these pathetic denials, lies about remedy and recourse for consumers when there is none, and jeering attacks and character assassination on anyone who rightly criticises your precious company or the wider health and medical indemnity insurance sectors.  People need to understand that legislation like medical tort reforms is one factor in the wider context of abuses leading to consumers being ripped off so openly by insurance companies.   

Health Option One should be spending the money they've siphoned from trusting consumers on providing quality healthcare, which they've lead consumers to believe they will get, not spending the money instead on risk management ploys, which means Stu's salary, to cover up the big con later.  You are a big part of the ripoff, Stu.  Whatever corporate, pseudo-legal crap you next come back with, we've already dismissed it.   
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#2 UPDATE Employee

Occupy Ripoff Report???

AUTHOR: stu - (United States of America)

This continued tirade has no specific complaint against our company, but is rather an anti-medical/insurance person using this site to vent.
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#3 Consumer Comment

It's not libel if it's true

AUTHOR: Anonymous - (USA)

If Health Option One is a rip off, why would I or anyone become a member?

And something is not' libel' if it's true, Stu! We're fighting to preserve our democracy, one based on the supremacy of human rights, including consumer rights and free speech.

You are a paid 'risk manager' , a mercenary, a hired gun for the insurance and health industries so no-one takes your 'risk managing' attempts to degrade our truthful disclosures seriously!  Consumers and patients don't have any vested interests like you do!!  We tell the truth and can thank Ripoff Report for allowing us to speak out for the public good.  Oh, that's right, Stu, the health and medical indemnity insurance companies, the medical sector and government medical malpractice legislation have secretly done away with the 'public good' and replaced it with corporate greed and deception, such as yours, haven't they?? 
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#4 UPDATE Employee

Tirade from Tribeca

AUTHOR: stu - (United States of America)

This response seems to be directed at any and all entities associated with the medical and insurance professions. Despite any truths stated here, this has no place in this report. The specific reference to Health Option One is apparently not based on first hand knowledge but is a libelous smear by a non-member pushing their own personal agenda of blanket criticism.
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#5 Consumer Comment

Patients Rights Have Been Undermined By Tort Reform

AUTHOR: Anonymous - (USA)

Patient Advocacy Depts, Patient Assocs, Patient-Anything-to-do with insurance companies (both health insurers and medical malpractice indemnity insurers) and the medical field have all been all corrupted by tort reform.  Everybody knows that including you, you liar!  Stop lying to the public!  Your Patient Advocacy Dept is riddled with corruption and ripped off patients will just waste time and money trying to get a ruling...that in the unlikelihood they get one, it then won't be enforced!  There are no meaningful regulators of the medical sector and none for the insurance industry! and that means ALL insurers who have developed this 'corporate health' so very deviously and killed real 'healthcare'.

The world knows this must be true because the point of medical malpractice tort reform is to kill patients' rights and ensure they get no compensation.  'Medico-legal' means collusion and sly easy-money kickbacks paid by medical insurers to the sly lawyers of the patient to make sure the patient doesn't win their case; or lawyers are paid to kill and reject claims; and of course, 'professional medical indemnity insurance' for doctors means negligent doctors, as well as the growing numbers of doctors who deliberately injure, maim and kill get 'defended' with buckets of money from a never-ending pot of doctors' subscriptions fees.  AND 'defended' with a LOT of medical defense fraud, like falsified records, test results and fake xrays that judges, lawyers, government and police pretend they don't know about. 

Health Option One IS a rip off...  ...And so is medical tort reforms...and so are fake patient advocacy groups, medical boards etc governed by laws of tort reform, the whole medical industry, lawyers taking kickbacks from medical indemnity insurance companies...and all the insurers' 'inside people' in radiology and pathology labs who switch real test results for an immense amount of medical defense fraud and plant this false evidence on patients.  It's all connected in such a sick way. 
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#6 UPDATE Employee

No way to properly respond

AUTHOR: stu - (United States of America)

Situations such as this can often be resolved through the patient advocacy department. We assume this client properly attempted to get this resolved but it does not state so here. There are also clearly stated waiting periods for medical treatment just as there are with major medical plans. It is easy to vent such problems on the internet, but many of them can be resolved if given a chance.
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#7 UPDATE Employee

No way to properly respond

AUTHOR: stu - (United States of America)

Situations such as this can often be resolved through the patient advocacy department. We assume this client properly attempted to get this resolved but it does not state so here. There are also clearly stated waiting periods for medical treatment just as there are with major medical plans. It is easy to vent such problems on the internet, but many of them can be resolved if given a chance.
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