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(JD) · Aug 29, 2010 at 11:02 AM

But my private insurance is great! It's when the authorities of the nation have put their finger into the mix where I experience issues, not anything my own insurance company creates.

I can go to ANY doctor without having to have a referral, even specialists.
I have a small co-pay for many of them, maybe $25 a visit.
I have a discounted medications prescription plan included in my hospitalization premiums.
Any emergency room or urgent care center is fully covered, with no co-pay nor deductible.
I have free access to a nurse on the phone 24/7.
I have access to preventative care resources, free, such as nutrition eating plans, in paper form.
I can appeal any negative decision my plan might give me, such as for surgery or procedures they might think is not necessary, and they've changed their minds once they understood.
I can pay my premiums monthly.
I can change my private insurance during open season without any trouble at all. In fact, the hospitalization ins co I use sends me all the available plans from private sources with coverages, fees, deductibles so I can choose the best plan for me.
I don't have to be verified nor submit to a physical when changing plans during open season.
I have free 800 number access to claims in case of delay for authorization at any facility (most doctors call for their own authorization, rather than my having to do so)... but
If I go to an already authorized "preferred" doctor or facility, there's no call necessary...they send me a large booklet of resources each year.
The information regarding coverages is written in layman's language with no "legalese."
I am treated with respect at doctor's and facilities with limited waiting times and on-time appointments.
Doctors file the paperwork, so I don't have to pay and then file for reimbursement. Then my ins. co sends me itemization of who billed them for what and how much, what they paid and verifies I don't owe anything (or in case of a deductible, the only amount I am to pay.)

Yes, because of regulations being put on private companies now, some doctors are not taking ANY insurance.

That's my private insurance.
When I have to see someone under my disability insurance, the above rarely applies. Truly. I've gone to urgent care under both and the difference was remarkable. Now if I have to go I go in under my private, so I am treated, and then inform them (once sure of the cause) that it's govt disability, so my private never pays for anything they aren't responsible for, and I still obtain treatment. (I speak truth. Same conditions, same hours, same staff, different plans = treatment/no treatment.

)

Just my experience.