No health care so Insurance CEO can collect 360 million annually?

My insurance company did not pay bills as required for an accident, physical, and colonosocopy.

Accident. My insurance company (Federal Blue Cross Insurance) is required to pay in full for treatment for an accident if it occurred with in 72 hours. On 9th February 2006 I was treated for an accident reported within a 72-hour period and the claim was not paid in full because the nurse practitioner submitted the claim to my insurance company as an office visit instead of an accident. I forwarded a letter of complaint to the nurse practitioner, who then corrected the coding error and the insurance paid the claim, with exception of the tetanus shot. My insurance company said the tetanus shot claim would be reviewed.

Physical. My insurance company is required to pay in full for a complete physical. The Insurance Company did not pay for physical done on my wife and I on 15 May 2007 because the Doctor, instead of reporting it as a physical, coded it as an office visit. Since the insurance company is required to pay this bill when coded correctly and the doctor coded it incorrectly, I regarded this as doctor incompetence. I refused to pay this bill. I am sure the doctor turned the bill into a credit agency, which devalued my credit record.

Colonosocopy. My insurance company is required to pay in full for a routine scheduled colonosocopy test. The doctor submitted a colonosocopy test conducted on my wife on 26 Nov 2006 as a diagnostic test. Because the test was submitted as diagnostic instead of routine my insurance company did not pay the claim in full. I wrote a letter to the doctor explaining it was routinely scheduled five years prior. The doctor corrected the claim as being routinely scheduled and the insurance company paid. Even though the doctor corrected the coding correctly and was paid my insurance company required the hospital to change the reason for test even though it was the same test. The hospital instead of correcting their coding and resubmitting the bill to the insurance company, the hospital wrote the bill off.

Explanation. I called my sister who is a doctor and asked her why doctors were miscoding insurance information so as to benefit the insurance companies. I asked if doctors and hospitals were getting a kick back from the insurance companies? She said that in the past doctors would not get paid when the form was filled out as routine testing. Blue Cross, which has a monopoly, started suing doctors when coding did not match and that is why doctors are miscoding the information in favor of the insurance companies. The reason doctors and hospitals are miscoding the information in favor of the insurance companies is that Blue Cross intimidates them. Blue Cross operates in this manner so that the can show a profit and the CEO of Blue Cross is able to collect 360 million a year. Ladies and gentlemen this is a disgrace! Patients are being routinely being robbed of the benefits they paid for so a CEO is able to collect 360 million for year? My insurance company charges thousands per year for me to have such benefits and I regard myself lucky compared to the people who do not have access to or can afford such health care insurance. Because the Blue Cross CEO is robbing the stock value from stockholders, medical benefits and driving up the price of insurance so others cannot afford heath care insurance is disgraceful, shameful, and pathetic and should be regarded as thievery.

Obama health care? Obama proposes using my health care plan for everyone. Does this mean that the CEO of Blue Cross could collect multiples of this 360 million if his plan is adopted?

McCain’s heath care. My health care insurance is considered as one of the best. Now considered the sleaze and slime of Blue Cross and then consider what it would be like if Blue Cross were unregulated as McCain proposes. Would not this patient thievery continue and not be minuscule compared to what it would be if McCain’s health care plan were adopted/

Best solution. The problem is that as long as any one like an insurance company makes money by turning down medical benefits, the patient loses and the insurance executives undeserved huge salaries. The best solution is make it 100% Medicare. I can hear the insurance swindlers hollering now, “Socialism”.

Socialism. Is socialism so bad? It is not communism. Our school education system is now socialized. Would it not be a good idea to make it capitalistic? Think of the tax savings to property owners and the students would appreciate education a lot more. The problem is at least 50% of the students now getting education would no longer be getting it and we would become a nation of the illiterate. This does not appear to be a good solution. Likewise, capitalism is not a good solution for health care. According to USA Today, over 40 million people in the USA do not have health insurance of which 18, 000 people die in the USA because they lack preventive services, timely diagnostics or appropriate care. The amount of human suffering associated with this problem is incalculable. Some republican candidates say socialism is not American and is not what our fore fathers intended. I guess it is all right for the Government to bail out our banks (described as socialism for the rich)? I find that interesting! I thought that America was founded on the principles of a Government of the people, by the people, and for the people, not just the CEO's or the rich.
Better way? It is my hope that someone in the near future has the fortitude and insight to establish a better health care system in the USA, one that is comparable to Canada and France.