Secure Horizons Health Insurance Could Be Hazardous To Your Wealth
DENVER, COLORADO -- Can Secure Horizons Insurance Be Hazardous to Your Wealth?
In the Fall of 2008, I retired and applied for Medicare with Part A and B. The school district where I worked had several plans and companies that could be used along with Medicare for medical needs. I chose Secure Horizons part of United Health Care, and their most expensive policy. I contacted my doctor for a physical exam with normal blood tests. One additional test was a Vitamin D blood test to diagnose possible future osteoporosis as it ran in the family. Later on this Spring, flu-like symptoms required that I go back to the doctor again. She ordered tests for thyroid and gall bladder.
Then, the fun began. I began receiving statements from Secure Horizons insurance denying payment for many of the blood tests. I began dialing the laboratory, the doctor’s office, and the Secure Horizons about the bills. The laboratory responded that this was the responsibility of the insurance company. The doctor’s office submitted the paperwork twice and each time it came back denied. Secure Horizons played dumb and said it wasn’t their responsibility. The doctor’s office asked me to keep waiting, but this was hard to do when I was flooded with hundreds of dollars of bills for no reason. When trying to get help, a customer representative at Secure Horizons named ” Gigi,” informed me that her supervisor was on a “conference call” when I asked who the CEO was. I wanted to send him a press release. Her manager, she replied, could not get back to me for two hours. Needless to say, I found the CEO’s name immediately on the internet. Is there a plot afoot at United Health Care/Secure Horizons to issue blanket denials on claims? (See note below regarding out of network gouging by United Healthcare). Deciding which insurance company will best meet your needs is difficult because there are so many unknowns. Even customer satisfaction surveys have their limits. However, leaving customers with more out of pocket expense is no the way to do business. Enough said.
Note:” Thanks to the New York Attorney General we now know that insurance companies were in fact, swindling members who sought out-of-network care. Several insurance companies, including United Healthcare, CIGNA and Aetna, have agreed to pay millions of dollars to settle an investigation into how they set the rates for out-of-network care. It turns out the provider rates the insurance companies were claiming to be "usual and customary" were much lower than what providers were actually charging, leaving patients to pay a much higher portion of the bill.”
Imagine what my problems would have been if I had ad a cancer diagnosis. Too scary to imagine.