Hi guys,
I guess I have a different take on the whole issue because I work for a
health insurance company. I won't mention the name because you all would
know it!
The problem with health insurance companies in general is that medical
decisions are not made by medical professionals. They are made by ordinary
people like me. I personally think that I am asked to assume way too much
responsibility for these decisions. In my opinion, more things should be
paid. What I don't understand is that a lot of health plans (with the
exception of HMO's) DON'T COVER ROUTINE PROCEDURES OR PREVENTATIVE
MEDICINE!!!! I don't mean to shout, but it makes me mad too. Seems to me
that if health care companies want to reduce cost, they should cover routine
preventative care. You'd eliminate a lot of problems that way in my
opinion.
So I think even if a cat has FeLV (or a human has HIV or MS or diabetes),
there should be no pre-existing clauses. We can greatly improve the
quality of life if we would care for them when they're "well", rather than
waiting for them to get sick. I think if a cat is asymptomatic, their
routine well visits should be covered. I also think that medications like
interferon should be covered.
Just my 2 cents.
Hugs,
Terri & the girls
----Original Message Follows----
From: "Susan Campbell" <[EMAIL PROTECTED]>
Reply-To: [EMAIL PROTECTED]
To: [EMAIL PROTECTED]
Subject: Re: OFF TOPIC pet insurance
Date: Fri, 20 Oct 2000 11:16:58 EDT
Hi Gabby - I tend to agree with you although I don't know anything about the
HMO thing... Insurance companies (esp. car insurance) ALWAYS want to rip you
off!!
I will pose that question to petinsurance.com and see what they say. Let you
all know.
sue c
>From: Gabriela Perez <[EMAIL PROTECTED]>
>Reply-To: [EMAIL PROTECTED]
>To: [EMAIL PROTECTED]
>Subject: Re: OFF TOPIC pet insurance
>Date: Thu, 19 Oct 2000 18:16:43 -0500
>
>This is going to sound mean, so I'll apologize to insurance companies in
>general
>before going on. However, I believe that if there is any way that many
>insurance companies can turn down a claim, they will find a way to do so. I
>have
>seen this time and time again with human insurance and don't doubt the pet
>insurance would also fit the pattern. In my head right now, I can hear
>the
>company telling you that even 20 neg test results wouldn't change the fact
>that
>there was ONE test result that showed positive and so sorry but no go on
>the
>claim. I am being really pessimistic about this. I hope you find out the
>opposite and that the company will document in writing its willingness to
>fund
>health care for a kitty who has reverted to negative.
>
>Gabby and los gatos fregados (the darn cats!)
>
>Susan Campbell wrote:
>
> > Here's an interesting question, what if a cat that tested positive, then
> > tests negative (twice)... how would they deal with that? I mean if they
>want
> > me to supply a negative felv test result - I can give them 2 from 2
> > different tests..... just wondering...
> >
> > sue c
> >
> > >From: "kelly herrmann" <[EMAIL PROTECTED]>
> > >Reply-To: [EMAIL PROTECTED]
> > >To: [EMAIL PROTECTED]
> > >Subject: Re: OFF TOPIC pet insurance
> > >Date: Wed, 18 Oct 2000 21:26:54 GMT
> > >
> > >Jill,
> > >Just to add to what Kat says....i know for a fact that they will not
>cover
> > >a
> > >cat that has been diagnosed with felv. i went to the link you sent
>after i
> > >replied the 1st time and it is the same insurance i have. I feel they
>are
> > >pretty good. But like i said they will not insure a cat previously
> > >diagnosed with felv. You could ask and maybe they have changed their
> > >policy, but i doubt it. I am sorry. try researching other pet
>insurance
> > >companies.
> > >kelly
> > >
> > >>From: Kat <[EMAIL PROTECTED]>
> > >>Reply-To: [EMAIL PROTECTED]
> > >>To: [EMAIL PROTECTED]
> > >>Subject: Re: OFF TOPIC pet insurance
> > >>Date: Wed, 18 Oct 2000 15:16:54 -0400 (Eastern Daylight Time)
> > >>
> > >>Hi Jill,
> > >>Read the fine print VERRRRY carefully - the insurance co may disallow
>all
> > >>FeLV related bills due to the "pre-existing illness" clause since she
>has
> > >>already been diagnosed as FeLV+. (I purrsonally don't trust them)
> > >>Kat (Mew Jersey)
> > >>
> > >>On Wed, 18 Oct 2000, Jill Franklin wrote:
> > >>
> > >> > Date: Wed, 18 Oct 2000 19:08:34 GMT
> > >> > From: Jill Franklin <[EMAIL PROTECTED]>
> > >> > Reply-To: [EMAIL PROTECTED]
> > >> > To: [EMAIL PROTECTED]
> > >> > Subject: OFF TOPIC pet insurance
> > >> >
> > >> > i know this is off the topic that are supposed to discuss, but i
>saw an
> > >>ad
> > >> > in a magazine for a website call petinsurance.com. it covers a lot
>of
> > >>stuff
> > >> > for just $9 a month. i was just wondering if any had insurance on
> > >>their
> > >> > cats, or dogs for that matter. it looks like a really good idea
>for me
> > >>and
> > >> > jack, since in the future she could get sick and accumulate
>monsterous
> > >> > bills, and being the college student that i am and working a part
>time
> > >>job,
> > >> > i couldn't afford the best medical care for her and i don't want
> > >>anything
> > >> > less for my baby. so, back to the question, does anyone have
>insurance
> > >>on
> > >> > their pets, and if so, what company and what does it cover? also,
>if
> > >>you
> > >> > want to look at that website and see what you think, i would be
> > >>interested
> > >> > in hearing from you all.
> > >> >
> > >> > also, the shirts are going really well, i'm impressed with the
>designs
> > >>so
> > >> > far. keep up the good work!!
> > >> >
> > >> > Love,
> > >> >
> > >> > Jill and kisses from Jack
> > >> >
> >
> >>_________________________________________________________________________
> > >> > Get Your Private, Free E-mail from MSN Hotmail at
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> > >> >
> > >> >
> > >>
> > >
> >
> >_________________________________________________________________________
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> > >
> >
> >
>_________________________________________________________________________
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>
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