Insurance company dropping sickest from policies
In several states Guradian Insurance is dropping those people that are the sickest and as such are the most expensive to keep alive. Regardless of the policy or payment record, the insurance company has decided that these people are costing the company too much money and need to be dropped. One executive sent an email that called these customers "dogs" and that they could "get rid of" them to save the company money. Guardian has been very profitable this year, including paying out dividends of $723 million dollars. The company did not look at individuals to see the impact of dropping coverage or what might happen to families if a father or mother were to be removed from the home with children still there. Stone cold cash appears to be the method of the day and no one at the insurance company cares about their customers well being. As part of a new program called "Moving Forward" customers that cost the company more than average so that the company could "be competitive". Many people have lost their coverage merely because they were sick or injured and expected that their insurance company would stand behind them. Instead they are becoming a statistic tied to ever increasing profits paid to stockholders on the backs of the customers that paid the bills and allowed the payment of those large dividend checks. (Source: Washington Times)
Most do not believe these types of stories until it happens to them or a member of their family. Then they get to stare down the barrel of financial ruin to keep a family member alive and comfortable. Plus once you are dropped from one insurance company, it becomes impossible to get coverage for that problem ever again. So the first company paves the way for all other insurance companies to deny you help and coverage for whatever you need coverage for. But in reality there is no insurance for you because no one will cover you. There is no way for you to pay for the outrageous fees that are necessary for doctors, hospitals and medicines. The once covered patient now gets to look forward to non-existent nursing care, no drugs, and no hospitalization regardless of how bad things get. Not a fun thing to look forward to, but it appears that more and more of us will have to face this without anyway of fixing it. While this type of preditation should be illegal and would be under the new laws being debated in congress. Note that the insurance companies are presently working hard to kill this legislation because it would make this type of insanity illegal.
Until then keep calling your congressmen to let them know your thoughts on this. The insurance companies are not your friends and will do anything to save their bloated profit margins at any cost. We all realize that companies need to make money to grow and bring more services to their customers, but not steal money from customers that are then dropped the moment they need help. This has been an issue with insurance companies for a long time, but this is our chance to fix these issues so no one has to decide between their health and their wallet.
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