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GeneralSummer is here! Pin
Munchies_Matt13-May-15 22:30
Munchies_Matt13-May-15 22:30 
GeneralRe: Summer is here! Pin
chriselst13-May-15 22:48
professionalchriselst13-May-15 22:48 
GeneralRe: Summer is here! Pin
Nagy Vilmos13-May-15 23:00
professionalNagy Vilmos13-May-15 23:00 
GeneralRe: Summer is here! Pin
BillWoodruff14-May-15 0:27
professionalBillWoodruff14-May-15 0:27 
GeneralRe: Summer is here! Pin
W Balboos, GHB14-May-15 1:13
W Balboos, GHB14-May-15 1:13 
GeneralRe: Summer is here! Pin
JammoD8714-May-15 7:38
JammoD8714-May-15 7:38 
GeneralChoosing Medical Insurance Pin
C-P-User-313-May-15 13:46
C-P-User-313-May-15 13:46 
GeneralRe: Choosing Medical Insurance Pin
GuyThiebaut13-May-15 19:11
professionalGuyThiebaut13-May-15 19:11 
My previous job was with a medical insurance company.

I would say that on the whole they are not trying to con you. Be sure to ask all the questions first before signing.

The one area that can catch some people out is pre-existing conditions, so conditions like diabetes, asthma etc would need to be declared to the company just to be sure that a claim is not invalidated when a claim needs to be made.
Most companies will not cover dentistry and many will not cover elective MRI etc scans(quite simply because elective MRI etc scans are not statistically justifiable from a clinical point of view).

My experience of working for the company was that they are concerned with the health of their clients. With the huge over prescribing of polypharmacy in the US they can sometimes have better experience with regards to what medical interventions are successful than your average doctor may have(they have access to a huge volume of statistical data).

If there is any advice I would suggest it is be sure to pick a company where you can have access to free clinical advice - the company I worked for employed clinicians(nurses and doctors) who were able to help clients determine whether or not they needed a medical intervention.
These clinical services may also have weight loss or 'stop smoking' programs associated with them which can be of benefit to employees.

C-P-User-3 wrote:
When the insurance carriers sell their coverages to small companies, what are they NOT telling them ?
By law they have to tell you everything and you have to answer their questions honestly, ask about the 'small print' as there shouldn't be any.
They will occasionally refuse a payment when your physician is proverbially 'taking the piss' by over-prescribing - and some physicians do this.
The medical insurance industry is highly competitive and it is not in their best interest to rip you off, they want to keep you healthy so that you can continue to pay your modest premiums.
“That which can be asserted without evidence, can be dismissed without evidence.”
― Christopher Hitchens

GeneralRe: Choosing Medical Insurance Pin
JHizzle13-May-15 22:28
JHizzle13-May-15 22:28 
GeneralRe: Choosing Medical Insurance Pin
Slacker00714-May-15 1:24
professionalSlacker00714-May-15 1:24 
GeneralRe: Choosing Medical Insurance Pin
C-P-User-314-May-15 6:13
C-P-User-314-May-15 6:13 
GeneralRe: Choosing Medical Insurance Pin
charlieg15-May-15 5:48
charlieg15-May-15 5:48 
GeneralInternet security and my e-mail Pin
DavidSherwood13-May-15 12:08
DavidSherwood13-May-15 12:08 
GeneralRe: Internet security and my e-mail Pin
devenv.exe13-May-15 20:59
professionaldevenv.exe13-May-15 20:59 
GeneralRe: Internet security and my e-mail Pin
Bergholt Stuttley Johnson13-May-15 23:48
professionalBergholt Stuttley Johnson13-May-15 23:48 
GeneralRe: Internet security and my e-mail Pin
W Balboos, GHB14-May-15 1:21
W Balboos, GHB14-May-15 1:21 
GeneralPutting BOOZE on your resumé... PinPopular
Sander Rossel13-May-15 11:17
professionalSander Rossel13-May-15 11:17 
GeneralRe: Putting BOOZE on your resumé... Pin
Camilo Reyes13-May-15 12:22
professionalCamilo Reyes13-May-15 12:22 
GeneralRe: Putting BOOZE on your resumé... Pin
Sascha Lefèvre13-May-15 12:40
professionalSascha Lefèvre13-May-15 12:40 
GeneralRe: Putting BOOZE on your resumé... PinPopular
Pirate Guy13-May-15 17:19
Pirate Guy13-May-15 17:19 
GeneralRe: Putting BOOZE on your resumé... Pin
Steve Echols13-May-15 19:42
Steve Echols13-May-15 19:42 
GeneralRe: Putting BOOZE on your resumé... Pin
Sander Rossel14-May-15 1:57
professionalSander Rossel14-May-15 1:57 
GeneralRe: Putting BOOZE on your resumé... Pin
Nagy Vilmos13-May-15 22:13
professionalNagy Vilmos13-May-15 22:13 
GeneralRe: Putting BOOZE on your resumé... Pin
Richard Deeming14-May-15 1:33
mveRichard Deeming14-May-15 1:33 
GeneralRe: Putting BOOZE on your resumé... Pin
Sander Rossel14-May-15 1:55
professionalSander Rossel14-May-15 1:55 

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