Kaiser Medical Center Complaint - Denial of Health Insurance to extremely healthy RN Kaiser employee
I couldn't believe it- I'm a 52 year old RN who has worked for Kaiser Medical Center as a per diem RN for 11 years. I am in perfect health. I windsurf, surf, roller blade, hike, bike... I never get sick. I have always worked as a per diem RN ( for 30 yrs.) so that I can control my own schedule and travel etc. I have always had high deductible Blue Cross. I have never used it. I was always a little embarrassed when my pts. in the hospital would ask me something about my personal experiences with Kaiser health care and I would have to say I don't have Kaiser- I have Blue Cross major medical. I would try to avoid telling them that I have almost never had a Dr. appt. in my life. My only preventive health care is occasional paps at Planned Parenthood (all negative).
So I decided to finally fork up some more dough and pay for a Kaiser plan that would include regular check ups so I would finally start getting regular check ups.
I filled out the application online with no doubt in my mind I would be accepted. I wanted to be sure they couldn't ever use the excuse that I didn't reveal something on the application so I put everything I have ever been seen for down- a sprained knee, pre-cancer from too much sun on my face removed by the derm (show my an adult that doesn't have that and I'll show you a person that never gets sun- it is completely benign), and to the question "Do you have regular periods?" I answered "no" because I have been in menopause for a yr. ( a perfectly normal situation for a 52 yr. old- DUH!)... but they offered no chance in the application to elaborate that I'm in menopause.
I couldn't believe it when I was denied health insurance because :
1- Unspecified muskuloskelatal condition
2-Unspecified gynecological condition- irregular periods
3- Unspecified skin condition
Keep in mind I provided the name, addresses and phone numbers of the dermatologist and the orthopod that treated my face and diagnosed my knee (no treatment needed- just resting it).
Meanwhile I'm back on the medical surgical unit at Kaiser Hospital lifting and turning pts., running around the unit --- but they won't give me health insurance!!!! (I very seldom call in sick and when I do it is really a mental health day.)
I'm so furious! At least I will never again be embarrassed when pts. ask my about my Kaiser health care and I have to say I don't have Kaiser.
I will also never be embarrassed if I ever have to go to an ER or Dr. with my essentially worthless Blue Cross insurance. I did my part to attempt to pay for better insurance. I will have no qualms if the need arises to get the health care I need and then just declare bankruptcy and refuse to pay it. The system is so screwed up it begs for that.
Thanks for giving us a voice!