Unfiltered Story #141284

, | Unfiltered | February 21, 2019

(I work for a roadside assistance company that provides roadside assistance for a lot of different insurances, I work on a dedicated team for one of the larger companies we service, one with a very familiar and well know “jingle”)

Me: Thank you for calling [insurance company] Road side assistance, my name is [my name] do you require 911 emergency assistance?

Customer: No sir

Me: That’s good to hear mam, How may I assist you today.

Customer: Well, my car broke down, and I did the jingle, but no one showed up and I wanted to know why not?

Me: …. Mam you do know the Jingle is just a commercial right, it’s not real?

Customer: But it’s on TV all the time, are you saying their lying on tv?

Me: …. Well mam the commercial is just to show how fast we can help you, there isn’t a real jingle that can get someone to you instantly.

Customer: Well that’s just false advertising, why show something like that on TV and make people think they can just get help instantly, I need to change my insurance company to someone who doesn’t lie.

Me: Well mam I can still assist you today if you would like, I am more then happy to do so.

(I took the call from there normally and finished it out, she didnt get anyone to her over an hour, so much for that jingle huh?)

It’s Going To Be A Long Morning, Evening, Whatever

, , , , , , | Right | January 10, 2019

(I work at a local insurance company, at the call center that provides transportation for people on medicaid and medicare — people who have insurance through the state due to low income, disability, or old age. Transportation is strictly for medical appointments so that people can utilize their insurance while also staying healthy and bringing our costs down by avoiding ambulance and ER visits. This is a story my coworker told me about.)

Coworker: “Hello! Thank you for calling [Company]. My name is [Coworker]; how can I help you?”

Member: “Where is my cab?! I had a ride today!”

(My coworker checks her account and sees she has a ride for 10:00 pm tonight. Notes from previous rep say, “Member insists it’s an 11 pm appointment.”)

Coworker: “Okay, ma’am, it’s a 10:00 pm pickup tonight.”

Member: “Nooooo! My appointment is at 11:45 pm this morning! I don’t need no f****** 10:00 pm pickup. WHERE IS MY CAB?!”

Coworker: “It is scheduled to come tonight. When is your appointment today?”

Member: “11:00 pm.”

Coworker: “So, tonight.”

Member: “No, you’re f****** r*****ed! 11:00 pm this morning!”

Coworker: “I’m sorry, I keep hearing pm. Do you mean am?”

Member: “It’s this morning. I called yesterday.”

Coworker: “I understand that, ma’am. The issue is that you keep saying pm when I think you mean am, and I have notes here saying you did this yesterday.”

Member: “It’s one one zero f****** zero pm.”

Coworker: “So, just so I’m clear, you’re saying pm, as in this evening, as in afternoon.”

Member: “No! My surgery is before lunch!”

Coworker: “So, if I get you a pickup in the next 5 to 20 minutes, would that work?”

Member: “Yes, I want to be a couple minutes early.”

Coworker: “For your 11:45 am appointment, correct?”

Member: “I said pm, sir…”

Coworker: “So, no ride right now?”

Member: “Just send me that cab that y’all f***** up.”

(My coworker did end up setting up the cab ride, even though we have a policy against same-day-rides, as we call them. Also, before people start claiming senility or dementia, I would like to note the member was 47.)

Health Care(less), Part 4

, , , , , , | Healthy | January 5, 2019

In the spring of 2000, I came down with a cold that lingered nearly two weeks, then got weird. I went to see the doctor and she ordered several tests to be done at the hospital next door to the office building.

It was there that I was told that one of the tests she wanted done — a pulse oximeter reading — required pre-approval from my insurance company, which would take about three days to go through the process.

When I told my doctor about that, she was furious. It was a fairly simple test, but her office did not have the necessary equipment. Once she had a break between patients, she marched over to the hospital and spoke to a friend who worked in the emergency department. She then brought my husband and me through the back hallways to her friend, who placed a clip that looked like a clothespin on my finger. In a couple of seconds, the nearby machine showed the necessary data and I was finished with the test in less than five minutes. I was never billed for it.

It turned out that I had pneumonia. I was sent home with the needed prescriptions and instructions. I was back to normal in a few days.

The next time I went to that doctor, she told me that the office had acquired their own equipment.

It’s now eighteen years later, and her office has several of them. I noticed this morning that you can buy one online for about the price of two fast-food hamburger dinners. And the insurance company had wanted three days before approving the procedure!

Health Care(less), Part 3
Health Care(less), Part 2
Health Care(less)

I’m Currently Paying Zero; Can You Do Better?

, , , , , | Working | January 3, 2019

(This is an actual conversation I had on the phone.)

Me: “Hello?”

Representative: “Hello. I’d like to help you save money on your car insurance! Is this a good time to talk?”

Me: “I don’t own a car; please take me off of your list.”

Representative: “But I can save you a lot of money on your insurance.”

Me: “No, you didn’t listen. I don’t own a car; therefore. I don’t have or need car insurance. Please take me off of your list.”

Representative: “But I can save you a lot of money.”

(We repeat this whole thing way too many times. Finally. I am furious.)

Me: “LISTEN TO ME! I have a medical condition that makes it impossible for me to drive a car. That means that I do not own a car. That further means that I do not have or need car insurance. Do not call me again!”

(I hung up. Literally one minute later they called back! Luckily, it was a different rep who actually listened.)


Welcome To Private Healthcare!

, , , , , | Healthy | December 21, 2018

(I’ve recently had to change my health insurance, and I’m still getting used to its quirks. I realize that one of my medications can’t be refilled on this insurance without a Prior Authorization — “PA.” Basically, the insurance wants my doctor to formally request that I be allowed to take it, because it’s a name brand that’s relatively expensive. My doctor sends the PA request in a few days before I have an appointment with him, and I don’t hear much else about it until I go into the office, where my doctor seems irritated.)

Doctor: “So, I wrote a letter to your insurance company for the PA. Actually, I wrote them two letters. They won’t fill your prescription.”

Me: “What? I thought the point of the PA was so they’d fill ones they normally wouldn’t?”

Doctor: “Generally, but sometimes they deny the requests because they want you to try a generic first. When I sent the first letter, they replied with a denial and said that you were required to at least try [Generic #1] or [Generic #2]. The problem is, they contain [certain progestin], which interacts with testosterone.”

Me: “Which is what I’m taking [Medication] for in the first place?”

Doctor: “Yes! So, in my second letter, I told them that if they couldn’t approve [Medication], I needed anything from a long list I gave them, but specifically any variation that did not include [certain progestin]. And they absolutely will not budge. They sent me a list of more options, and every single one of them contains it.”

Me: “Um. Okay. What does that mean?”

Doctor: *looking like he wants to kill someone* “It means your insurance company won’t let you take any medication except for the kind that will only make your problems worse.”

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