Sweet.

P

Post Quartermaster

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Charleston, SC
I just got an earful from a client.....guy is on an HSA plan.....needs a colonoscopy (second one of these this month)......doctors office told him it would be covered 100% on a non-grandfathered plan....he wants to dump his current carrier now.....

I of course pointed out that more than half (in my experience) of colonoscopys come back with a diagnosis code which kicks the claim out of the preventative benefit and back to the deductible/coinsurance.....I also mentioned that I cannot write his 3 kids anywhere right now......

I imagine we'll all be hearing alot more of this as the "Obamacare bailout for doctors" gains traction.......should be great for trend next year......
 
.needs a colonoscopy (second one of these this month)......
Click to expand...

This guy is having way too much fun to go through that again. Most will let one colonoscopy do them for at least a year, but 2 in one month?

Is he gay?

Beyond that, if he applies for a new plan and the carrier finds out his doc has ordered a colonoscopy they will delay action until he gets the results. If they find more than a couple of polyps he is dead in the water. Won't be able to get a policy with anyone for at least a year.

So much for those free colonoscopy's.
 
Bob, I think the OP was saying this is the second "like" problem this month? Not that the insured was having a second procedure.
At least, that is my read.
 
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