The insurance company tried to give me grief several times while my husband was dying. They claimed he had duplicate treatments, they tried to deny his medical flight ($60,000), and I got a bunch of bills they tried to deny after he died.

They didn’t get a cent out of me. I made them cover everything.

I was angry for a long time about it.

Here is what I did.

I demanded the name of the claim rep that denied each claim. I was getting denial letters with no name! They would panic when I told them I needed the name for my complaint to the insurance commissioner.

Insurance companies and claim reps hate complaints to the insurance commissioner because those are publicly reported and hurts their business. Also, they hate insurance commissioner investigations because they often get caught doing something they shouldn’t be doing or some short cut or some other improper handling of the claim. They don’t want to go there.

So then they tell you the appeals process. I said fine, I’ll do that, but I’m going to fill out this complaint form first. So what is the claim rep’s name?

Each time, they put me on hold, then told me they would pay the claim.

Unbelievable.

I also complained to his employer’s benefits office.
You have to fight.