When we sign up for Blue Cross HMO, the sale rep told us that our co-pay for ER is only $100. She made an example"If you have an accident on your skiing trip, your only pay $100 for your ER visit no matter how bight the bill is". We received a memebership card. On the card it says clearly "$100 ER co-pay".
After we paid them hundreds of dollars many months later, I had to go to ER. Ended up, my bill is $100 plus 20% of the entire bill. When I call Blue Cross, they flat out tell me "There is not enough place on the card for us to put 20% on it. We do not know who would tell you that you only pay $100?" Your card tells me, damn a*! Lying cheating son of b*ch.
Big insurance company rip off people. They get your money through lies, fraud and misrepresentation. They get enough money to high the best lawyer and don't you dare to say anything after you get screwed by them. Good luck America. Why we even worry about disasters, tsunami, and terriost, we have insurance company, isn't that enough???
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