I HATE Insurance Companies

Who's with me on this one?

I have never had a good experience with an insurance company - NEVER. How many of you have? I'd like to know. Because I'm betting the percentage of good in relation to bad is extremely small.

The other day I was watching (or reading - closed caption) Oprah at the gym while on the elliptical, and she had Michael Moore (latest film, Sicko) along with some lady from some insurance-affiliated organization. Anyway . . . I haven't seen the film, but just to watch the small clips and hear what the film is about was maddening, sickening, disheartening. I felt for those people who had been screwed over by their insurance company.

And then I became one of them.

A few days ago BCBS called me and said my coverage was "under review" because they had no proof that I was a full-time employee at Midwest Grain Systems (for those of you who don't know, this is my husband's business - well, mine too). When I was added to the group policy (as HALF OWNER of the company) we initially ran into issues, but I was eventually added successfully. Or so we thought.

Apparently, BCBS is cancelling my coverage, making that cancellation retroactive to May 1, 2007. Not only that, any claims that I have had paid to me (which is a significant dollar amount) I must pay back. Not only that, but they are KEEPING the premium that was paid to them on my behalf. I don't know about y'all, but in some countries, that's called "stealing."

Joe told all of this to me early this evening. I was in tears. I don't know what I can do. I feel helpless, angry, wronged and little.

No company should be able to make a person feel like that. Any company that does is sick.

No wonder Michael Moore's film is such a hit. Usually movies based on true stories are.

Feel free to comment with your thoughts.