Response to "My 3 Cents"
Points of clarification.
I am an independent agent and deal with all kinds of companies. Concerning your specific issues with Celtic:
1. The extra $5 bucks. I am going to guess that you elected monthly billing and NOT EFT. There is a handling charge for the former. It is common with all plans of this type from all carriers - execpt for those who will NOT do monthly direct bill. (And there are more than a few of those)
The surcharge is clearly described in the payment options.
2. Claims handling; Celtic products are medically underwritten, and in most states do not accept most pre-ex conditions. It is a function of how carrier's have to operate within each state's legal guidelines. They may or may not request doctor's records before issuing a policy. They DO check with the Medical Information Bureau (MIB)and a similar national data base of pharmacy records. These two data bases are populated by reports submitted by various companies (Health, Life, Disabilty) and then accessed by members to verify medical history of potential clients. The data base companies do not and can not verify reports.
You have filed a claim within the first year of your policy. Company will need to verify this was NOT a pre-ex, which could potentially disqualify your policy if it is determined there was something you did NOT report on the application. It's called Fraud.
On the other hand, underwriters react to what is in Doctor records, and trust me when I tell you, I have seem many cases where the Dr. records were full of careless errors (The mystery hospital?)
Also, many cases of Dr. CYA - comments to keep them clear and yet now necessariy accurate as to what was told to you.
3. Last but not least, Uncooperative Service Reps. They are barred by federal law (HIPPA) from discussing any personal medical information over the phone. All dialog must be in writing signed by the patient. Most often, that information will be sent back to yr Doctor and not you. Again, this is a safety measure to prevent unschooled clients from making medical diagnosis or overeacting to data (For exapmle, tests showed your BP at an alarming level) Otherwise, the company is subject to nasty fines and the representative could be quickly fired. Call your congressman - HIPPA was passed for "our privacy protection". You must know this so you don't go off on the service representative who has their hands tied.
Last piece of advice - if you are going to buy insurance on-line, then you better consider your self an expert. It is clear from your dissatisfaction statement, you do not know a lot about how companies operate and what laws tie them in knots.
Next time, get a qualified independent agent who can help you through this jungle. From what you have said in your posting, Celtic is following routine procedure on claims adjudication and staying within the confines of state and federal laws.
Your rant while an expression of obvious frustration, is based on a tremedous lack of knowledge. Not your fualt - no one is expected to be an expert in this mess - bnut that is the role you took when you decided to go it on your own.