Here’s what Molly wrote:
“In short, we have been terrorized since spring 2009 with a variety of insurance company games. First we were told (by Highmark Blue Cross) that we were about to hit Scott’s million-dollar lifetime cap ‘in the next month or so.’ That was wrong, but that didn’t stop them from calling every few months to give us another ‘you’re hitting your cap soon’ scare and giving a vague date a few months out. They were always wrong in the end, but that did nothing for the panic level at the time.”
Molly wrote that Scott had been transferred to COBRA on Nov. 7, 2010, after losing his job. As that coverage was about to expire, the Pooles applied for an extension. A case manager for their insurer said it would be a waste to apply for the extension because Scott was rapidly approaching the lifetime coverage limit. After battling with the insurer for weeks, the Pooles finally got the extension, but only for a short while.
“We only have coverage through May 7, Molly, wrote, “so that’s why we’ve created a website to try to raise funds. We need to come up with approximately $400,000 a year to cover nursing and other medical costs. God forbid a hospital stay. What savings we have left are what’s running the house. We start tapping them, we lose the house.”
Molly ended her e-mail with this: “The illness itself has been a walk in the park compared to the insurance hassles. Can you imagine something that makes dealing with Lou Gehrig’s disease a breeze compared with what they are putting you through?”…
Wendell is a Senior Analyst at the Center for Public Integrity where this was originally posted on April 28, 2011.
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