By choosing Mega Life and Health, I might as well have signed my own death sentence! I bought this health insurance for catastrophic emergencies and I was recently diagnosed with breast cancer that has spread beyond my lymph nodes and who-knows-where-else. The reason we don't know, is that MEGA only pays up to $1000 a day for lab tests if you buy their lab coverage, which I did. Try getting a PET - CT or bone scan for $1000!
I have also found out yesterday, that even though I have a huge deductible which I was lead to believe would cover me for one year, MEGA has this thing called a "confinement period". Apparently, I have to pay my out-of-pocket expenses ($9500 a year) before they kick in 100% coverage; BUT you can only bill on one diagnosis for 180 days, then you have to pay the out-of-pocket expenses again! So I have to pay my deductible two times a year instead of one if I don't cure myself of cancer within 180 days of being diagnosed. NONSENSE AND CRIMINAL!!!
Not only that, MEGA is telling my doctors that they don't pay for doctor visits, so I must pay when I see the oncologists or radiologist, WHICH DOES NOT APPLY TO MY OUTRAGEOUS DEDUCTIBLE THAT WILL BE CHARGED TWICE THIS YEAR!!! In addition, there is a separate deductible for chemo and a separate deductible for lab tests. How much money exactly does MEGA expect their clients to have on hand to pay for catastrophic illnesses above and beyond what they pay for premiums? I didn't realize I needed to be a millionaire to be able to afford an illness, even though I have health insurance!
So you are probably thinking, "well, this woman must have gotten this insurance policy dirt cheap." Not so! I'm 46, have always been healthy until now, have no family history of cancer, yet I pay $300 a month in coverage for an insurance policy that doesn't cover sh!!!
You would think one with a recent diagnosis of cancer has enough to worry about without almost daily surprises and reminders from her insurance company that she made a deadly decision when she chose this company.
How can this not be criminal? How can this not be fraud? There is no way I can get another insurance company to cover me now. Do I just lie down and die because this company will not pay for testing and treatment for a catastrophic illness for which I bought coverage in good faith?
If I can save just one person from making the same mistake I've made, that would be at least some consolation. Stay away from MEGA! Run!!! Go get yourself an insurance company that doesn't go out of its way to screw its clients in the worst situation possible! Maybe there's a damn good reason MEGA isn't the biggest insurance company out there. Don't fall for their lies and deceit.
I suppose some MEGA representative will now reply how sorry he is that I didn't understand the purposely misleading legal jargon of my policy. But are there any lawyers out there willing to take on a Class action lawsuit? I'm ready for a fight here in more ways than one!
0 comments