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The Health Insurance Advocate
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What Our Listeners Are Saying!Dear Cary ~ I have never listened to your show. Your web site came up when I looked for Advocate. My brother in law has Hep C, and was approved for a liver transplant by his insurer - about a year - year & half ago. My sister called me up the other day crying because the insurer now says they are not covered. They had a ase worker who spoke with them about transplant several times in the past year, but now they cannot find this person. To best of my knowledge they have yet to get an explanation letter as to why there was this major change. I am wondering how they proceed on something like this ? ? It smells really bad to me - - I regret to say that I am overseas, so not able to give her as much help as I would like to. I do hope you can give me some sort of reply to get me looking in the right direction. Thanks "I love your pod casts, they are very helpful. -Susan" I would like to take this time to brag on one of your employees. I am a Grandmother trying to help a 19 year old grandson get health insurance. You helped my daughter Heather Anderton with their business Heartland Wall with their insurance needs. Heather asked you many months ago about her nephew Chuck and getting insurance for him as he was taken off of his Mother's insurance at Applebee's when he turned 18. The problem was that Chuck suffered from seizures. You put us on a temporary policy with Assurant. It has since run out and I called your company and talked to April. She was just as helpful and concerned in helping me with Chuck's needs as you had been Heather. In todays world with the economic crisis and war folks forget about customer service. April seems to promote, what it seems you have promoted in your own right, the caring and commitment to helping those who need assistance in what often they don't understand. The commitment was real. I felt as though April was apart of my family trying to help with Chuck for the very beginning She was on the phone or emailing me daily with various applications and suggestions to get Chuck covered as quickly as possible. She understood Grandma's limitations and had no problem working within that zone. I am a big believer that employees can make or break a business and if you leave out the embetterment of those you serve you might as well not open the door to do business. In the case of April, and yourself, I look for Benefits by Design to be in business for a long long time. I have already sung your praises to any that will listen. Thank you again and God Bless you all, In February of 2008 I went into the hospital to have a pretty routine surgery. Everything went well, I came home, the hospital bills arrived in the mail and Humana paid their part and we paid ours and all was settled up by the Fall of 2008. Fast forward to March/April of 2009 and we began to get bills from the hospital stating we still had a balance (of hundreds of dollars!). After contacting the hospital they said to take it up with our insurance company as they were now re-evaluating what they paid and what we pay!! It has been more than a year, everything was "paid in full" from all our paperwork and now all of a sudden they decide to "redo" the paperwork. Thankfully, our insurance agent went to work for us and contacted the proper people at Humana and the situation was cleared up for us. It just goes to show, that just because you are billed for something, you must do your homework before paying (and have a good insurance agent)!! Judy G. in Stilwell I just wanted to let you know how absolutely thrilled I am with your company and Maggie Newton! I have tried for a year and a half to get health insurance. I was turned down by Mega and Assurant. I had given up hope to ever find any insurance. I was forced to take KHIA in December 2008. My premium is $700 a month. I worked at Commerce Bank for almost 30 years before I quit in January 2004 to take care of my parents. My Dad is an 86 year old amputee and requires 24 hour care so I am not able to work. We live on his social security and VA Disability and struggle to make our monthly payments. Maggie was very upbeat and really wanted to help me get insurance. She really cares about her clients. I really didn't think that I had a chance with my health issues but Maggie went to all lengths to help me and kept me informed with everything that was going on. Maggie called me Monday to inform me that I was approved for health insurance at half of the cost of KHIA! I know that God placed Maggie in my life. Thanks to Maggie's help, we now have some extra money to buy groceries with so I don't have to charge them every month. I thank God! I am very thankful that God placed Maggie in my life and for all of her help. She was certainly a Godsend! Sincerely, Hi Cary. Me and quite a few others out here at Hawker Beechcraft love your show on Saturdays. I have a question. They are proposing two health insurance plans, one through BC/BS, the other through Preferred Health Systems. I tried to copy and paste from Beech's website but for some reason it won't work. I've provided a link to it with all of the specifics of both plans and was wanting to know if you could look at it and tell me which would be best for me being that I am single guy-no kids and good health but would like to see Galichia in case of a real emergency. Thanks and keep up the great work on the show, I tell everyone about it! Rodney Beeton I just found your website and listened to the July 5th broadcast. Theresa Sloat was great. How can we get in contact with her to review her film, "Still There"? I speak to high school students around Veteran's Day and would like to use her poem, "Hoorah, Hoorah." Unless things have changed, the Captain who gets disability pay from the VA does have that amount reduced from his retirement pay. However, in doing so he gains a tax advantage in that the VA disability amount is not taxed on either the federal or Kansas income tax. My father retired for medical reasons in WWII and was given a disability for an injured knee. He did not pay federal or Kansas income tax on his disability pay. I am a retired officer and receive a little over $100 a month for a back injury and hearing loss. The VA payment is deducted from my retirement pay and is nontaxable. I believe there was some legislation awhile back which was going to reevaluate this procedure but I am not aware of any changes. Someone in the Retired Officer's Association in Wichita might be tracking legislation concerning medical benefits, programs, etc. During Viet Nam a couple of high ranking officers tried to get 75% disability so they could avoid tax on their retirement pay. It is my understanding that the VA has cleaned up some of the abuses but I am afraid that many vets try to get their ratings increased from say 10 to 20 percent so they can gain the tax advantage. Yes, I agree with you that those with lost limbs, sight, etc need better treatment and thank you for bringing it to the attention of your audience. I will listen to other programs when I get more time. Thanks for the great work you do! David A. Weihe, Colonel USAF Retired |
