2013년 11월 25일 월요일

오후 9:26

By Cecil Lieb

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About 'debt collection forum'|... and business fees, and ending San Diego’s guarantee of free trash collection for owner-occupied single-family homes, would bring in enough money to help...







About 'debt collection forum'|... and business fees, and ending San Diego’s guarantee of free trash collection for owner-occupied single-family homes, would bring in enough money to help...








Ｉｎ               Ｊｕｎｅ               ｏｆ               2004,               ｍｙ               (ｎｏｗ)               ｈｕｓｂａｎｄ               ｗａｓ               ａｄｍｉｔｔｅｄ               ｔｏ               ｔｈｅ               ｈｏｓｐｉｔａｌ               ｗｈｅｎ               ｈｅ               ｗｅｎｔ               ｔｏ               ｔｈｅ               ｅｍｅｒｇｅｎｃｙ               ｒｏｏｍ               ｗｉｔｈ               ｓｅｖｅｒｅ               ａｂｄｏｍｉｎａｌ               ｐａｉｎ.

Ａ               ｗｅｅｋ               ｌａｔｅｒ,               ｈｅ               ｗａｓ               ｄｉｓｃｈａｒｇｅｄ,               ｍｉｎｕｓ               ｈｉｓ               ｇａｌｌ               ｂｌａｄｄｅｒ.

Ｏｖｅｒ               ｔｈｅ               ｓｕｍｍｅｒ               ｍｏｎｔｈｓ,               ｍｙ               ｈｕｓｂａｎｄ               ｒｅｃｅｉｖｅｄ               ｎｕｍｅｒｏｕｓ               ｓｍａｌｌ               ｄｏｃｔｏｒ               ｂｉｌｌｓ               ｔｈａｔ               ｈｅ               ｈａｄ               ａｓｓｕｍｅｄ               ｗｅｒｅ               ｐａｒｔ               ｏｆ               ｔｈｅ               ｃｌａｉｍ               ｄｕｒｉｎｇ               ｈｉｓ               ｈｏｓｐｉｔａｌ               ｓｔａｙ.

Ｈｅ               ｐａｉｄ               ｔｈｅ               ｒｅｑｕｉｒｅｄ               ｃｏ-ｐａｙ               ｏｎ               ｅａｃｈ               ｏｆ               ｔｈｅｓｅ               ｂｉｌｌｓ               ａｎｄ               ｓｉｎｃｅ               ｈｅ               ｈａｄ               ｂｅｅｎ               ａｄｍｉｔｔｅｄ               ｖｉａ               ｔｈｅ               ｅｍｅｒｇｅｎｃｙ               ｒｏｏｍ,               ｈａｄ               ｎｏ               ｒｅａｓｏｎ               ｔｏ               ｔｈｉｎｋ               ｔｈａｔ               Ｕｎｉｔｅｄ               Ｈｅａｌｔｈｃａｒｅ               ｗｏｕｌｄ               ｎｏｔ               ｃｏｖｅｒ               ｈｉｓ               ｓｕｒｇｅｒｙ               ｏｒ               ｈｉｓ               ｈｏｓｐｉｔａｌ               ｓｔａｙ.

Ｕｎｄｅｒ               ｈｉｓ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｐｌａｎ,               ａｎｙ               ｈｏｓｐｉｔａｌ               ｓｔａｙ               ａｎｄ               ｓｕｂｓｅｑｕｅｎｔ               ｓｕｒｇｅｒｙ               ｔｈａｔ               ｃａｍｅ               ａｂｏｕｔ               ｆｒｏｍ               ａｎ               ｅｍｅｒｇｅｎｃｙ               ｒｏｏｍ               ｖｉｓｉｔ               ｗａｓ               ｆｕｌｌｙ               ｃｏｖｅｒｅｄ,               ｍｉｎｕｓ               ａｎｙ               ｉｎｄｉｖｉｄｕａｌ               ｄｏｃｔｏｒ               ｃｏ-ｐａｙｓ.

Ｉｆ               ｈｅ'ｄ               ｖｉｓｉｔｅｄ               ｔｈｅ               ｄｏｃｔｏｒ               ｐｒｅｖｉｏｕｓｌｙ               ｃｏｍｐｌａｉｎｉｎｇ               ｏｆ               ａｂｄｏｍｉｎａｌ               ｐａｉｎ,               ｔｈｅｎ               ｔｈｅ               ｃｌａｉｍ               ｃｏｕｌｄ               ｈａｖｅ               ｂｅｅｎ               ｄｅｎｉｅｄ               ｄｕｅ               ｔｏ               ｔｈｅｉｒ               ｐｒｅ-ｅｘｉｓｔｉｎｇ               ｃｏｎｄｉｔｉｏｎ               ｃｌａｕｓｅ.

Ｓｉｎｃｅ               ｔｈａｔ               ｗａｓ               ｎｏｔ               ｔｈｅ               ｃａｓｅ,               ｈｅ               ｗｅｎｔ               ａｂｏｕｔ               ｈｉｓ               ｍｅｒｒｙ               ｗａｙ               ａｎｄ               ｄｉｄｎ'ｔ               ｔｈｉｎｋ               ａｂｏｕｔ               ｉｔ               ａｇａｉｎ.
               Ｉｎ               Ｎｏｖｅｍｂｅｒ               ｏｆ               2004,               ａ               ｂｉｌｌ               ａｒｒｉｖｅｄ               ｆｒｏｍ               ａ               ｂｉｌｌ               ｃｏｌｌｅｃｔｏｒ.

Ｉｔ               ｗａｓ               ｆｏｒ               ａｎ               ｕｎｐａｉｄ               ｈｏｓｐｉｔａｌ               ｂｉｌｌ               ｔｏ               ｔｈｅ               ｔｕｎｅ               ｏｆ               $67,000.

Ｔｈｉｓ               ｗａｓ               ｔｈｅ               ｆｉｒｓｔ               ｉｎｄｉｃａｔｉｏｎ               ｔｈａｔ               ｐｅｒｈａｐｓ               ｓｏｍｅｔｈｉｎｇ               ｈａｄ               ｇｏｎｅ               ｗｒｏｎｇ               ｗｉｔｈ               ｔｈｅ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｃｌａｉｍ.

Ｍｙ               ｆｉｒｓｔ               ｔｈｏｕｇｈｔ               ｗａｓ               ｔｈａｔ               ｔｈｅ               ｈｏｓｐｉｔａｌ               ｈａｄ               ｐｒｏｂａｂｌｙ               ｓｅｎｔ               ｏｕｔ               ｔｈｅ               ｂｉｌｌ               ｂｅｆｏｒｅ               ｔｈｅ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｈａｄ               ｐｒｏｃｅｓｓｅｄ               ｔｈｅ               ｃｌａｉｍ.

Ｍｙ               ｈｕｓｂａｎｄ               ｃａｌｌｅｄ               Ｕｎｉｔｅｄ               Ｈｅａｌｔｈｃａｒｅ               ｔｏ               ｃｏｎｆｉｒｍ               ｍｙ               ｓｕｓｐｉｃｉｏｎ,               ｗｈｅｒｅ               ｈｅ               ｗａｓ               ｔｏｌｄ               ｔｈｅ               ｃｌａｉｍ               ｈａｄ               ｂｅｅｎ               ｄｅｎｉｅｄ,               ａｎｄ               ｔｈｅ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｙ               ｃｉｔｅｄ               ｔｈｅ               ｒｅａｓｏｎ               ｆｏｒ               ｔｈｅ               ｄｅｎｉａｌ               ｗａｓ               ｄｕｅ               ｔｏ               ａ               ｐｒｅ-ｅｘｉｓｔｉｎｇ               ｃｏｎｄｉｔｉｏｎ.

Ａｆｔｅｒ               ｂｅｉｎｇ               ａｓｋｅｄ               ｓｅｖｅｒａｌ               ｑｕｅｓｔｉｏｎｓ               ｓｕｒｒｏｕｎｄｉｎｇ               ｔｈｅ               ｈｏｓｐｉｔａｌ               ｓｔａｙ               ｗｈｅｒｅ               ｍｙ               ｈｕｓｂａｎｄ               ｉｔｅｒａｔｅｄ               ｔｈａｔ               ｈｅ               ｈａｄ               ｎｏｔ               ｅｖｅｒ               ｓｅｅｎ               ａ               ｄｏｃｔｏｒ               ｆｏｒ               ａｂｄｏｍｉｎａｌ               ｐａｉｎ,               ｔｈｅ               ｉｎｓｕｒａｎｃｅ               ａｄｊｕｓｔｅｒ               ｓｅｅｍｅｄ               ｓａｔｉｓｆｉｅｄ               ｔｈａｔ               ｔｈｅ               ｅｒｒｏｒ               ｗａｓ               ｏｎ               ｔｈｅｉｒ               ｅｎｄ               ａｎｄ               ｓａｉｄ               ｈｅ               ｗｏｕｌｄ               ｒｅｑｕｅｓｔ               ｔｈａｔ               ｔｈｅ               ｃｌａｉｍ               ｂｅ               ｒｅｐｒｏｃｅｓｓｅｄ.

Ｔｈｅ               ａｄｊｕｓｔｅｒ               ａｌｓｏ               ｓａｉｄ               ｈｅ               ｗｏｕｌｄ               ｓｅｎｄ               ｏｕｔ               ａ               ｑｕｅｓｔｉｏｎｎａｉｒｅ               ｔｈａｔ               ａｓｋｅｄ               ｔｈｅ               ｓａｍｅ               ｑｕｅｓｔｉｏｎｓ               ｈｅ'ｄ               ｊｕｓｔ               ａｓｋｅｄ               ｍｙ               ｈｕｓｂａｎｄ.

Ｍｙ               ｈｕｓｂａｎｄ               ｗａｓ               ｇｉｖｅｎ               ａ               ｐｈｏｎｅ               ｎｕｍｂｅｒ               ａｎｄ               ａ               ｃｌａｉｍ               ｎｕｍｂｅｒ               ｓｈｏｕｌｄ               ｈｅ               ｆｅｅｌ               ｔｈｅ               ｎｅｅｄ               ｔｏ               ｆｏｌｌｏｗ               ｕｐ.

Ｔｈｅ               ｐｒｏｍｉｓｅｄ               ｌｅｔｔｅｒ               ｎｅｖｅｒ               ａｒｒｉｖｅｄ,               ｗｅ               ｆｏｒｇｏｔ               ａｂｏｕｔ               ｉｔ,               ａｎｄ               ｄｕｅ               ｔｏ               ｔｈｅ               ｓｉｌｅｎｃｅ               ｏｆ               ｔｈｅ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ａｇｅｎｃｙ,               ａｓｓｕｍｅｄ               ｔｈａｔ               ｔｈｅ               ｍａｔｔｅｒ               ｈａｄ               ｂｅｅｎ               ｔａｋｅｎ               ｃａｒｅ               ｏｆ.
               Ｆａｓｔ               ｆｏｒｗａｒｄ               ｔｏ               Ｏｃｔｏｂｅｒ               ｏｆ               2006.

Ａ               ｃｏｌｌｅｃｔｉｏｎ               ｎｏｔｉｃｅ               ａｒｒｉｖｅｄ               ｆｒｏｍ               ａ               ｔｈｉｒｄ-ｐａｒｔｙ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ,               ｏｆｆｅｒｉｎｇ               ｔｏ               ｓｅｔｔｌｅ               ｔｈｅ               $67,000               ｂｉｌｌ               ｆｏｒ               ｔｈｅ               ｍｅｒｅ               ｓｕｍ               ｏｆ               $23,000.

Ｏｂｖｉｏｕｓｌｙ,               ｓｏｍｅｔｈｉｎｇ               ｈａｄ               ｇｏｎｅ               ａｗｒｙ               ａｇａｉｎ.

Ｂｙ               ｎｏｗ,               ｍｙ               ｈｕｓｂａｎｄ               ｈａｄ               ｍｏｖｅｄ               ｏｎ               ｔｏ               ａｎｏｔｈｅｒ               ｊｏｂ               ａｎｄ               ｎｏ               ｌｏｎｇｅｒ               ｈａｄ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｗｉｔｈ               Ｕｎｉｔｅｄ               Ｈｅａｌｔｈｃａｒｅ.

Ｗｅ               ｈａｄ               ａｌｓｏ               ｍｏｖｅｄ               ｄｕｒｉｎｇ               ｔｈｉｓ               ｔｉｍｅ,               ｔｏｏ.
               Ｔｈｅ               ｆｉｒｓｔ               ｔｈｉｎｇ               ｗｅ               ｄｉｄ               ｗａｓ               ｓｅｎｄ               ａ               ｒｅｇｉｓｔｅｒｅｄ               ｌｅｔｔｅｒ               ｔｏ               ｔｈｅ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｔｏ               ｄｉｓｐｕｔｅ               ｔｈｅ               ｖａｌｉｄｉｔｙ               ｏｆ               ｔｈｅ               ｄｅｂｔ               ａｎｄ               ｄｅｍａｎｄ               ｔｈａｔ               ｔｈｅｙ               ｓｅｎｄ               ｕｓ               ａ               ｃｏｐｙ               ｏｆ               ｔｈｅ               ｄｅｂｔ               ｏｗｅｄ.

Ｉ               ｆｉｇｕｒｅｄ               ｔｈｉｓ               ｗｏｕｌｄ               ｂｕｙ               ｕｓ               ｓｏｍｅ               ｔｉｍｅ               ｔｏ               ｆｉｇｕｒｅ               ｔｈｉｎｇｓ               ｏｕｔ               ｂｅｆｏｒｅ               ｔｈｅ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｄｅｍａｎｄｅｄ               ａ               ｃｏｕｒｔ               ｄａｔｅ.

Ｉｔ               ｗｏｕｌｄ               ａｌｓｏ               ｏｆｆｉｃｉａｌｌｙ               ｐｕｔ               ｔｈｅ               ｄｅｂｔ               ｉｎ               ｑｕｅｓｔｉｏｎ               ｉｎｔｏ               ｄｉｓｐｕｔｅ               ｓｔａｔｕｓ               ｏｎ               ｍｙ               ｈｕｓｂａｎｄ'ｓ               ｃｒｅｄｉｔ               ｒｅｐｏｒｔ.

Ｔｈｅｙ               ｓｅｎｔ               ｕｓ               ａ               ｃｏｐｙ               ｏｆ               ｔｈｅ               ｈｏｓｐｉｔａｌ               ｂｉｌｌ,               ｗｈｉｃｈ               ｗａｓ               57               ｐａｇｅｓ               ｌｏｎｇ.
               Ｗｅ               ｆｏｕｎｄ               ｔｈｅ               ｐｈｏｎｅ               ｎｕｍｂｅｒ               ａｎｄ               ｃｌａｉｍ               ｎｕｍｂｅｒ               ａｎｄ               ｃａｌｌｅｄ               Ｕｎｉｔｅｄ               Ｈｅａｌｔｈｃａｒｅ,               ｏｎｌｙ               ｔｏ               ｄｉｓｃｏｖｅｒ               ｔｈａｔ               ｔｈｅ               ｐｈｏｎｅ               ｎｕｍｂｅｒ               ｇｉｖｅｎ               ｔｏ               ｍｙ               ｈｕｓｂａｎｄ               ｂｙ               ｔｈｅ               ａｄｊｕｓｔｅｒ               ｗａｓ               ｎｏ               ｌｏｎｇｅｒ               ｉｎ               ｕｓｅ.

Ｉ               ｗｅｎｔ               ｏｎｌｉｎｅ               ａｎｄ               ａｆｔｅｒ               ｍｕｃｈ               ｄｉｇｇｉｎｇ,               ｍａｎａｇｅｄ               ｔｏ               ｆｉｎｄ               ａ               ｐｈｏｎｅ               ｎｕｍｂｅｒ.

Ｉ               ｄｉｄ               ｎｏｔ               ｆｉｎｄ               ｔｈｉｓ               ｐｈｏｎｅ               ｎｕｍｂｅｒ               ａｎｙｗｈｅｒｅ               ｏｎ               Ｕｎｉｔｅｄ               Ｈｅａｌｔｈｃａｒｅ'ｓ               ｗｅｂｓｉｔｅ;               ｒａｔｈｅｒ               Ｉ               ｓｃｏｕｒｅｄ               ｔｈｅ               Ｉｎｔｅｒｎｅｔ               ａｎｄ               ｆｏｕｎｄ               ａ               ｕｓｅｒ               ｆｏｒｕｍ               ｗｈｅｒｅ               ａ               ｕｓｅｒ               ｈａｄ               ｐｏｓｔｅｄ               ｉｔ.
               Ｔｈｕｓ               ｂｅｇａｎ               ｏｕｒ               ｓｏｊｏｕｒｎ               ｉｎｔｏ               Ｈｅａｌｔｈ               Ｉｎｓｕｒａｎｃｅ               Ｃｌａｉｍ               Ｈｅｌｌ.

Ｉ               ｅｘｐｌａｉｎｅｄ               ｔｈｅ               ｓｃｅｎａｒｉｏ               ｔｏ               ｔｈｅ               ｆｉｒｓｔ               ｒｅｐｒｅｓｅｎｔａｔｉｖｅ,               ａｎｄ               ｓｈｅ               ｓｅｅｍｅｄ               ｖｅｒｙ               ｓｙｍｐａｔｈｅｔｉｃ               ａｎｄ               ａｐｏｌｏｇｉｚｅｄ               ｆｏｒ               ｏｕｒ               ｔｒｏｕｂｌｅｓ.

Ｗｈｅｎ               Ｉ               ｇａｖｅ               ｈｅｒ               ｔｈｅ               ｃｌａｉｍ               ｎｕｍｂｅｒ,               ｓｈｅ               ｄｉｓｃｏｖｅｒｅｄ               ｔｈｅ               ｃｌａｉｍ               ｎｕｍｂｅｒ               ｗｅ'ｄ               ｂｅｅｎ               ｇｉｖｅｎ               ｓｏ               ｌｏｎｇ               ａｇｏ               ａｃｔｕａｌｌｙ               ｗａｓ               ｆｏｒ               ａ               ｄｉｆｆｅｒｅｎｔ               ｃｌａｉｍ,               ａｎｄ               ｔｈａｔ               ｏｎｅ               ｈａｄ               ｂｅｅｎ               ｐａｉｄ.

Ｍｅａｎｗｈｉｌｅ,               ｔｈｅｒｅ               ａｐｐｅａｒｅｄ               ｔｏ               ｂｅ               ｎｏ               ｒｅｃｏｒｄ               ｏｎ               ｆｉｌｅ               ｆｏｒ               ｈｉｓ               ｈｏｓｐｉｔａｌ               ｓｔａｙ.

Ｔｈｅ               ｒｅｐｒｅｓｅｎｔａｔｉｖｅ               ｔｏｌｄ               ｍｅ               ｔｈｅｒｅ               ｗｅｒｅ               ｎｏ               ｏｕｔｓｔａｎｄｉｎｇ               ｃｌａｉｍｓ,               ｂｕｔ               ｄｕｅ               ｔｏ               ｔｈｅ               ａｇｅ               ｏｆ               ｔｈｉｓ               ｃｌａｉｍ,               ｉｔ               ｍｏｓｔ               ｌｉｋｅｌｙ               ｈａｄ               ｂｅｅｎ               ｐｕｒｇｅｄ               ｆｒｏｍ               ｔｈｅｉｒ               ｅｌｅｃｔｒｏｎｉｃ               ｓｙｓｔｅｍ               ａｎｄ               ｓｔｏｒｅｄ               ｏｎ               ｆｉｌｍ.

Ｓｈｅ               ｐｕｔ               ｉｎ               ａ               ｒｅｑｕｅｓｔ               ｔｏ               ｐｕｌｌ               ｔｈｅ               ｃｌａｉｍ               ｆｒｏｍ               ｓｔｏｒａｇｅ;               Ｉ               ｗａｓ               ｔｏｌｄ               ｉｔ               ｗｏｕｌｄ               ｔａｋｅ               ｔｗｏ               ｗｅｅｋｓ.
               Ｔｗｏ               ｗｅｅｋｓ               ｌａｔｅｒ,               Ｉ               ｃａｌｌｅｄ               ａｇａｉｎ               ｔｏ               ｍａｋｅ               ｓｕｒｅ               ｔｈｅｙ               ｈａｄ               ｂｅｅｎ               ａｂｌｅ               ｔｏ               ｒｅｔｒｉｅｖｅ               ｔｈｅ               ｃｌａｉｍ.

Ｏｎｃｅ               ａｇａｉｎ,               Ｉ               ｈａｄ               ｔｏ               ｅｘｐｌａｉｎ               ａｌｌ               ｏｖｅｒ               ａｇａｉｎ               ｗｈａｔ               ｈａｄ               ｈａｐｐｅｎｅｄ.

Ｔｈｉｓ               ｒｅｐｒｅｓｅｎｔａｔｉｖｅ               ａｌｓｏ               ｓｅｅｍｅｄ               ｎｉｃｅ,               ａｎｄ               ｓｈｅ               ｍａｎａｇｅｄ               ｔｏ               ｓｅｅ               ｔｈｅ               ｃｌａｉｍ               ｔｈａｔ               ｈａｄ               ｂｅｅｎ               ｐｕｌｌｅｄ               ｆｒｏｍ               ｓｔｏｒａｇｅ.

Ｓｈｅ               ｉｎｆｏｒｍｅｄ               ｍｅ               ｔｈａｔ               ｔｈｅ               ｃｌａｉｍ               ｈａｄ               ｂｅｅｎ               ｄｅｎｉｅｄ.

Ｔｈｅ               ｒｅａｓｏｎ?

Ｉｔ               ｈａｄ               ｂｅｅｎ               ａ               ｐｒｅ-ｅｘｉｓｔｉｎｇ               ｃｏｎｄｉｔｉｏｎ.

Ｉ               ｐｏｌｉｔｅｌｙ               ａｓｋｅｄ               ｈｅｒ               ｉｆ               ｗｅ               ｃｏｕｌｄ               ｒｅｑｕｅｓｔ               ｔｈｅ               ｃｌａｉｍ               ｔｏ               ｂｅ               ｒｅｐｒｏｃｅｓｓｅｄ               ａｎｄ               ｅｘｐｌａｉｎｅｄ               ｏｎｃｅ               ａｇａｉｎ               ｔｈａｔ               ｔｈｅ               ｈｏｓｐｉｔａｌ               ｓｔａｙ               ａｎｄ               ｓｕｒｇｅｒｙ               ｗａｓ               ｎｏｔ               ｉｎ               ａｎｙ               ｗａｙ               ｒｅｌａｔｅｄ               ｔｏ               ａ               ｐｒｅ-ｅｘｉｓｔｉｎｇ               ｃｏｎｄｉｔｉｏｎ.

Ｓｉｎｃｅ               ｈｅ               ｈａｄ               ｂｅｅｎ               ａｄｍｉｔｔｅｄ               ｔｈｒｏｕｇｈ               ｔｈｅ               ｅｍｅｒｇｅｎｃｙ               ｒｏｏｍ,               ｓｈｅ               ａｇｒｅｅｄ               ａｎｄ               ｔｏｌｄ               ｍｅ               ｉｔ               ｗｏｕｌｄ               ｔａｋｅ               ｔｗｏ               ｗｅｅｋｓ               ｔｏ               ｒｅｐｒｏｃｅｓｓ               ｔｈｅ               ｃｌａｉｍ.
               Ｉ               ｍａｒｋｅｄ               ｔｈｅ               ｃａｌｅｎｄａｒ               ａｎｄ               ｃａｌｌｅｄ               ａｇａｉｎ               ｔｗｏ               ｗｅｅｋｓ               ｌａｔｅｒ.

Ｉ               ｗｅｎｔ               ｔｈｒｏｕｇｈ               ｔｈｅ               ｗｈｏｌｅ               ｓｔｏｒｙ               ａｇａｉｎ               ｔｏ               ｙｅｔ               ａ               ｄｉｆｆｅｒｅｎｔ               ｒｅｐｒｅｓｅｎｔａｔｉｖｅ,               ｗｈｏ               ｍｅｒｅｌｙ               ｃｈｕｃｋｌｅｄ               ａｎｄ               ｓａｉｄ               ｉｔ               ｗｏｕｌｄ               ｔａｋｅ               ａｔ               ｌｅａｓｔ               ｔｈｉｒｔｙ               ｄａｙｓ               ｔｏ               ｒｅｐｒｏｃｅｓｓ               ａ               ｃｌａｉｍ,               ａｎｄ               ｔｈａｔ               ｉｔ               ｗａｓ               ｔｏｏ               ｓｏｏｎ               ｔｏ               ｋｎｏｗ               ｔｈｅ               ｒｅｓｕｌｔｓ.
               Ｉ               ｍａｒｋｅｄ               ｔｈｅ               ｃａｌｅｎｄａｒ               ａｎｄ               ｗｈｅｎ               ａ               ｍｏｎｔｈ               ｈａｄ               ｐａｓｓｅｄ               ｓｉｎｃｅ               ｒｅｑｕｅｓｔｉｎｇ               ｔｈｅ               ｒｅｐｒｏｃｅｓｓ,               Ｉ               ｃａｌｌｅｄ               ａｎｄ               ｓｐｏｋｅ               ｔｏ               ａｎｏｔｈｅｒ               ｄｉｆｆｅｒｅｎｔ               ｒｅｐｒｅｓｅｎｔａｔｉｖｅ,               ｗｈｏ               ｔｏｌｄ               ｍｅ               ｔｈａｔ               ｔｈｅ               ｃｌａｉｍ               ｃｏｕｌｄ               ｎｏｔ               ｂｅ               ｐｒｏｃｅｓｓｅｄ               ｂｅｃａｕｓｅ               ｔｈｅｙ               ｗｅｒｅ               ｗａｉｔｉｎｇ               ｆｏｒ               ｕｓ               ｔｏ               ｒｅｔｕｒｎ               ｓｏｍｅ               ｐａｐｅｒｗｏｒｋ               ｔｏ               ｔｈｅｍ.

Ｉ               ａｓｋｅｄ               ｗｈａｔ               ｐａｐｅｒｗｏｒｋ               ｔｈａｔ               ｍｉｇｈｔ               ｂｅ,               ａｎｄ               ｔｈｅ               ｒｅｐｒｅｓｅｎｔａｔｉｖｅ               ｓａｉｄ               ｉｔ               ｗａｓ               ａ               ｑｕｅｓｔｉｏｎｎａｉｒｅ               ｗｅ               ｎｅｅｄｅｄ               ｔｏ               ｃｏｍｐｌｅｔｅ               ａｎｄ               ｒｅｔｕｒｎ.

Ｉ               ｉｎｆｏｒｍｅｄ               ｔｈｅ               ｒｅｐｒｅｓｅｎｔａｔｉｖｅ               ｔｈａｔ               ｔｈｉｓ               ｗａｓ               ｔｈｅ               ｆｉｒｓｔ               ｗｅ               ｈａｄ               ｂｅｅｎ               ｔｏｌｄ               ｏｆ               ｓｕｃｈ               ａ               ｌｅｔｔｅｒ,               ｓｏ               ｈｅ               ｐｕｔ               ｉｎ               ａ               ｒｅｑｕｅｓｔ               ｔｏ               ｈａｖｅ               ｔｈｅ               ｑｕｅｓｔｉｏｎｎａｉｒｅ               ｓｅｎｔ               ｔｏ               ｕｓ.

Ｈｅ               ａｄｖｉｓｅｄ               ｔｏ               ａｌｌｏｗ               ｔｗｏ               ｗｅｅｋｓ'               ｔｉｍｅ               ｆｏｒ               ｔｈｅ               ｑｕｅｓｔｉｏｎｎａｉｒｅ               ｔｏ               ａｒｒｉｖｅ.
               Ａｆｔｅｒ               ｔｗｏ               ｍｏｒｅ               ｗｅｅｋｓ               ｐａｓｓｅｄ,               Ｉ               ｃａｌｌｅｄ               ｔｏ               ｉｎｆｏｒｍ               Ｕｎｉｔｅｄ               Ｈｅａｌｔｈｃａｒｅ               ｔｈａｔ               ｔｈｅ               ｐｒｏｍｉｓｅｄ               ｑｕｅｓｔｉｏｎｎａｉｒｅ               ｄｉｄ               ｎｏｔ               ｓｈｏｗ               ｕｐ.

Ｏｎｃｅ               ａｇａｉｎ,               Ｉ               ｓｐｏｋｅ               ｔｏ               ｙｅｔ               ａ               ｄｉｆｆｅｒｅｎｔ               ｒｅｐｒｅｓｅｎｔａｔｉｖｅ,               ａｎｄ               ｈａｄ               ｔｏ               ｒｅｔｅｌｌ               ｍｙ               ｓｔｏｒｙ               ｔｏ               ｔｈｉｓ               ｐｅｒｓｏｎ.

Ｔｈｉｓ               ｒｅｐｒｅｓｅｎｔａｔｉｖｅ               ｔｏｌｄ               ｍｅ               ｔｈｅｉｒ               ｒｅｃｏｒｄｓ               ｓｈｏｗｅｄ               ｉｔ               ｈａｄ               ｂｅｅｎ               ｓｅｎｔ.

Ｉ               ａｓｋｅｄ               ｔｏ               ｖｅｒｉｆｙ               ｔｈｅ               ａｄｄｒｅｓｓ               ｔｈｅｙ               ｓｅｎｔ               ｔｈｅ               ｑｕｅｓｔｉｏｎｎａｉｒｅ               ｔｏ,               ａｎｄ               ｔｈｅ               ｒｅｐｒｅｓｅｎｔａｔｉｖｅ               ｒａｔｔｌｅｄ               ｏｆｆ               ａｎ               ａｄｄｒｅｓｓ               Ｉ               ｈａｄ               ｎｅｖｅｒ               ｈｅａｒｄ               ｏｆ.

Ｉｔ               ｗａｓｎ'ｔ               ｏｕｒ               ｃｕｒｒｅｎｔ               ａｄｄｒｅｓｓ               ｏｒ               ｏｕｒ               ｐｒｅｖｉｏｕｓ               ａｄｄｒｅｓｓ.

Ｉｎ               ｆａｃｔ,               ｉｔ               ｈａｄ               ｂｅｅｎ               ｓｅｎｔ               ｔｏ               ａｎ               ａｐａｒｔｍｅｎｔ.

Ｎｅｉｔｈｅｒ               Ｉ               ｎｏｒ               ｍｙ               ｈｕｓｂａｎｄ               ｈａｄ               ｌｉｖｅｄ               ｉｎ               ａｎ               ａｐａｒｔｍｅｎｔ               ｗｈｉｌｅ               ｈｅ               ｈａｄ               ｈｅａｌｔｈ               ｃｏｖｅｒａｇｅ               ｗｉｔｈ               Ｕｎｉｔｅｄ               Ｈｅａｌｔｈｃａｒｅ.

Ｗｈｅｎ               Ｉ               ａｓｋｅｄ               ｗｈａｔ               Ｉ               ｈａｄ               ｔｏ               ｄｏ               ｉｎ               ｏｒｄｅｒ               ｔｏ               ｕｐｄａｔｅ               ｔｈｅ               ａｄｄｒｅｓｓ,               ｔｈｅ               ｒｅｐｒｅｓｅｎｔａｔｉｖｅ               ｉｎｆｏｒｍｅｄ               ｍｅ               ｔｈａｔ               ｍｙ               ｈｕｓｂａｎｄ               ｗｏｕｌｄ               ｈａｖｅ               ｔｏ               ｃａｌｌ               ｈｉｓ               ｅｍｐｌｏｙｅｒ               ａｎｄ               ｒｅｑｕｅｓｔ               ｔｈｅ               ａｄｄｒｅｓｓ               ｂｅ               ｕｐｄａｔｅｄ               ｔｈｒｏｕｇｈ               ｔｈｅｍ.

Ｉ               ａｓｋｅｄ               ｗｈａｔ               ｄｏｅｓ               ｈｅ               ｄｏ               ｉｆ               ｈｅ               ｎｏ               ｌｏｎｇｅｒ               ｗｏｒｋｓ               ｆｏｒ               ｔｈａｔ               ｅｍｐｌｏｙｅｒ               ａｎｄ               ｈｅ               ｎｏ               ｌｏｎｇｅｒ               ｈａｓ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｗｉｔｈ               Ｕｎｉｔｅｄ               Ｈｅａｌｔｈｃａｒｅ,               ｔｈｉｓ               ｂｅｉｎｇ               ｔｈｅ               ｃａｓｅ               ｆｏｒ               ｏｖｅｒ               ａ               ｙｅａｒ               ａｎｄ               ａ               ｈａｌｆ.

Ｔｈｅ               ｒｅｐｒｅｓｅｎｔａｔｉｖｅ               ｉｎｓｉｓｔｅｄ               ｔｈｉｓ               ｗａｓ               ｔｈｅ               ｏｎｌｙ               ｗａｙ               ｔｏ               ｕｐｄａｔｅ               ｔｈｅ               ａｄｄｒｅｓｓ               ｔｈｅｙ               ｈａｄ               ｏｎ               ｆｉｌｅ.

Ｒｅａｌｉｚｉｎｇ               ｔｈａｔ               ｔｈｅ               ｏｄｄｓ               ｏｆ               ｕｓ               ａｃｔｕａｌｌｙ               ｅｖｅｒ               ｒｅｃｅｉｖｉｎｇ               ｔｈｅ               ｑｕｅｓｔｉｏｎｎａｉｒｅ               ｗｅｒｅ               ｓｌｉｍ,               Ｉ               ａｓｋｅｄ               ｉｆ               ｓｈｅ               ｃｏｕｌｄ               ｆａｘ               ｍｅ               ａ               ｃｏｐｙ               ｏｆ               ｉｔ.

Ｔｈｅ               ｒｅｐｒｅｓｅｎｔａｔｉｖｅ               ｃｏｍｐｌｉｅｄ.
               Ｗｈｅｎ               Ｉ               ｐｕｌｌｅｄ               ｔｈｅ               ｆａｘ               ｆｒｏｍ               ｔｈｅ               ｆａｘ               ｍａｃｈｉｎｅ,               Ｉ               ｃｏｕｌｄ               ｈａｒｄｌｙ               ｂｅｌｉｅｖｅ               ｍｙ               ｅｙｅｓ.

Ｈｅｒｅ,               ｆｉｎａｌｌｙ,               ｗａｓ               ｏｕｒ               ｇｏｌｄｅｎ               ｔｉｃｋｅｔ,               ｏｕｒ               ｏｎｌｙ               ｍｅａｎｓ               ｏｆ               ｅｖｅｒ               ｇｅｔｔｉｎｇ               ｔｏ               ｔｈｅ               ｂｏｔｔｏｍ               ｏｆ               ｔｈｉｓ               ｕｎｐａｉｄ               ｃｌａｉｍ.

Ｗｈａｔ               Ｉ               ｆｏｕｎｄ               ｉｎｓｔｅａｄ               ｗａｓ               ａ               ｓｉｎｇｌｅ               ｐａｇｅ               ｗｉｔｈ               ａ               ｃｈｅｃｋｂｏｘ               ａｓｋｉｎｇ               ｉｆ               ｍｙ               ｈｕｓｂａｎｄ               ｈａｄ               ａｎｙ               ｐｒｅ-ｅｘｉｓｔｉｎｇ               ｃｏｎｄｉｔｉｏｎｓ,               ａｎｄ               ｉｎｓｔｒｕｃｔｉｏｎｓ               ｔｏ               ｆｉｌｌ               ｏｕｔ               ｔｈｅ               ｉｎｆｏｒｍａｔｉｏｎ               ｉｎｄｉｃａｔｅｄ               ｏｎ               ｔｈｅ               ｌｉｎｅｓ               ｂｅｌｏｗ               ｔｈａｔ               ｈａｄ               ａｎ               "ｘ"               ｎｅｘｔ               ｔｏ               ｉｔ.

Ｎｏｎｅ               ｏｆ               ｔｈｅ               ｌｉｎｅｓ               ｂｅｌｏｗ               ｈａｄ               ａｎ               "ｘ"               ｎｅｘｔ               ｔｏ               ｔｈｅｍ.
               Ｉ               ｃａｌｌｅｄ               ｂａｃｋ,               ｐａｒｒｏｔｅｄ               ｔｈｅ               ｗｈｏｌｅ               ｓｔｏｒｙ               ｆｒｏｍ               ｍｅｍｏｒｙ               ｂｙ               ｎｏｗ,               ａｎｄ               ａｓｋｅｄ               ｗｈｉｃｈ               ｌｉｎｅ               Ｉ               ｎｅｅｄｅｄ               ｔｏ               ｃｏｍｐｌｅｔｅ.

Ｔｈｅ               ｒｅｐｒｅｓｅｎｔａｔｉｖｅ               ｔｏｌｄ               ｍｅ               ｓｈｅ               ｄｉｄｎ'ｔ               ｋｎｏｗ.

Ｓｈｅ               ｈａｄ               ｎｏ               ｗａｙ               ｏｆ               ｋｎｏｗｉｎｇ               ｗｈｉｃｈ               ｌｉｎｅ               Ｉ               ｎｅｅｄｅｄ               ｔｏ               ｃｏｍｐｌｅｔｅ,               ｂｅｃａｕｓｅ               ｓｈｅ               ｄｉｄｎ'ｔ               ｈａｖｅ               ａｎｙ               ｗａｙ               ｏｆ               ｖｉｅｗｉｎｇ               ｔｈｅ               ｑｕｅｓｔｉｏｎｎａｉｒｅ               ｔｈａｔ               ｈａｄ               ｂｅｅｎ               ｓｅｎｔ               ｔｏ               ｕｓ.

Ａｐｐａｒｅｎｔｌｙ               ｔｈｅ               ｐｒｅｖｉｏｕｓ               ｒｅｐｒｅｓｅｎｔａｔｉｖｅ               ｈａｄ               ｆａｘｅｄ               ｏｖｅｒ               ａ               ｂｌａｎｋ               ｑｕｅｓｔｉｏｎｎａｉｒｅ.

Ｓｅｎｓｉｎｇ               ｔｈａｔ               ｔｈｉｓ               ｗａｓ               ｇｏｉｎｇ               ｔｏ               ｅｎｄ               ｂａｄｌｙ,               Ｉ               ｒｅｑｕｅｓｔｅｄ               ｔｏ               ｓｐｅａｋ               ｔｏ               ａ               ｓｕｐｅｒｖｉｓｏｒ.

Ｉ               ｗａｓ               ｔｏｌｄ               ａ               ｓｕｐｅｒｖｉｓｏｒ               ｗｏｕｌｄ               ｃａｌｌ               ｍｅ               ｂａｃｋ               ｗｉｔｈｉｎ               48               ｈｏｕｒｓ.
               Ｗｈｅｎ               ｔｈｅ               48               ｈｏｕｒ               ｔｉｍｅｆｒａｍｅ               ｈａｄ               ｃｏｍｅ               ａｎｄ               ｇｏｎｅ,               Ｉ               ｄｅｃｉｄｅｄ               Ｉ               ｗａｓ               ｄｏｎｅ               ｄｅａｌｉｎｇ               ｗｉｔｈ               Ｕｎｉｔｅｄ               Ｈｅａｌｔｈｃａｒｅ.

Ｃｅｒｔａｉｎｌｙ               ｔｈｅｒｅ               ｈａｄ               ｔｏ               ｂｅ               ａｎ               ａｄｖｏｃａｔｅ               ｇｒｏｕｐ               ｏｕｔ               ｔｈｅｒｅ               ｔｏ               ｈｅｌｐ               ｐｅｏｐｌｅ               ｉｎ               ｃａｓｅｓ               ｓｕｃｈ               ａｓ               ｔｈｉｓ.

Ｉ               ｄｉｓｃｏｖｅｒｅｄ               ｔｈａｔ               ｔｈｅ               Ｓｔａｔｅ               Ｃｏｍｍｉｓｓｉｏｎｅｒ'ｓ               Ｏｆｆｉｃｅ               ｏｆ               Ｖｉｒｇｉｎｉａ               ｄｉｄ               ｉｎｄｅｅｄ               ｈｅｌｐ               ｐｅｏｐｌｅ               ｗｉｔｈ               ｓｃｅｎａｒｉｏｓ               ｓｉｍｉｌａｒ               ｔｏ               ｏｕｒｓ.

Ｔｈｉｓ               ｗｈｏｌｅ               ｔｉｍｅ,               Ｉ               ｈａｄ               ｋｅｐｔ               ｎｏｔｅｓ               ｏｎ               ｗｈｏ               Ｉ               ｓｐｏｋｅ               ｔｏ,               ｗｈｅｎ               Ｉ               ｓｐｏｋｅ               ｔｏ               ｔｈｅｍ,               ｗｈａｔ               Ｉ               ｗａｓ               ｐｒｏｍｉｓｅｄ,               ａｎｄ               ｗｈａｔ               ａｃｔｕａｌｌｙ               ｈａｐｐｅｎｅｄ.

Ｉ               ｔｏｏｋ               ｍｙ               ｎｏｔｅｓ               ａｎｄ               ｔｙｐｅｄ               ｔｈｅｍ               ａｌｌ               ｕｐ               ｉｎ               ａ               ｌｅｔｔｅｒ               ｗｈｉｃｈ               Ｉ               ｓｅｎｔ               ｔｏ               ｔｈｅ               Ｓｔａｔｅ               Ｃｏｍｍｉｓｓｉｏｎｅｒ'ｓ               Ｏｆｆｉｃｅ,               ｗｈｏ               ｔｈｅｎ               ｆｏｒｗａｒｄｅｄ               ｍｙ               ｌｅｔｔｅｒ               ｔｏ               Ｕｎｉｔｅｄ               Ｈｅａｌｔｈｃａｒｅ.

Ａｎｙ               ｃｏｒｒｅｓｐｏｎｄｅｎｃｅ               ｆｒｏｍ               ｔｈｉｓ               ｐｏｉｎｔ               ｗｏｕｌｄ               ｂｅ               ｍｅｄｉａｔｅｄ               ｂｙ               ｔｈｅ               Ｓｔａｔｅ               Ｃｏｍｍｉｓｓｉｏｎｅｒ'ｓ               Ｏｆｆｉｃｅ.
               Ｗｉｔｈｉｎ               ａ               ｗｅｅｋ,               ｗｅ               ｈａｄ               ｒｅｃｅｉｖｅｄ               ａ               ｒｅｐｌｙ               ｂａｃｋ               ｆｒｏｍ               Ｕｎｉｔｅｄ               Ｈｅａｌｔｈｃａｒｅ,               ｗｈｉｃｈ               ｈａｄ               ｂｅｅｎ               ｆｏｒｗａｒｄｅｄ               ｔｏ               ｕｓ               ｖｉａ               ｔｈｅ               Ｓｔａｔｅ               Ｃｏｍｍｉｓｓｉｏｎｅｒ'ｓ               Ｏｆｆｉｃｅ.

Ｉｎ               ｔｈｅｉｒ               ｒｅｐｌｙ,               Ｕｎｉｔｅｄ               Ｈｅａｌｔｈｃａｒｅ               ｅｓｓｅｎｔｉａｌｌｙ               ｂｅｇｇｅｄ               ｔｈａｔ               ｔｈｉｓ               ｎｏｔ               ｇｏ               ｄｏｗｎ               ａｓ               ａ               ｆｏｒｍａｌ               ｃｏｍｐｌａｉｎｔ               ａｇａｉｎｓｔ               ｔｈｅ               ｃｏｍｐａｎｙ,               ａｎｄ               ｔｈａｔ               ｔｈｅｙ               ｗｏｕｌｄ               ｌｏｏｋ               ｉｎｔｏ               ｔｈｅ               ｓｉｔｕａｔｉｏｎ               ａｎｄ               ｃｏｍｅ               ｔｏ               ａ               ｒｅｓｏｌｕｔｉｏｎ               ｗｉｔｈｉｎ               45               ｄａｙｓ.

Ｔｈｅｙ               ｐｒｏｍｉｓｅｄ               ｔｏ               ｓｅｎｄ               ａ               ｌｅｔｔｅｒ               ｓｔａｔｉｎｇ               ｔｈｅｉｒ               ｆｉｎａｌ               ｄｅｃｉｓｉｏｎ               ａｂｏｕｔ               ｔｈｅ               ｃｌａｉｍ               ｔｏ               ｔｈｅ               Ｓｔａｔｅ               Ｃｏｍｍｉｓｓｉｏｎｅｒ,               ｗｈｏ               ｗｏｕｌｄ               ｔｈｅｎ               ｆｏｒｗａｒｄ               ｉｔ               ｔｏ               ｕｓ.
               Ｉ               ｆｉｎａｌｌｙ               ｂｅｇａｎ               ｆｅｅｌｉｎｇ               ａ               ｓｅｎｓｅ               ｏｆ               ｈｏｐｅ.

Ｍａｙｂｅ,               ｊｕｓｔ               ｍａｙｂｅ,               ｔｈｉｓ               ｗｏｕｌｄ               ｂｅ               ｔｈｅ               ａｎｓｗｅｒ               ａｎｄ               ｓｏｏｎ               ｔｈｉｓ               ｎｉｇｈｔｍａｒｅ               ｗｏｕｌｄ               ｅｎｄ.

Ｉ               ｆｉｎａｌｌｙ               ｆｅｌｔ               ｌｉｋｅ               ｓｏｍｅｂｏｄｙ               ｈａｄ               ｍｙ               ｂａｃｋ               ａｎｄ               ｗａｓ               ｌｉｓｔｅｎｉｎｇ               ｔｏ               ｍｅ.

Ｗｈｉｌｅ               ｗｅ               ｗｅｒｅ               ｗａｉｔｉｎｇ,               ｗｅ               ｒｅｃｅｉｖｅｄ               ａ               ｄｏｃｔｏｒ               ｂｉｌｌ               ｆｏｒ               ａ               ｃｏ-ｐａｙｍｅｎｔ,               ｗｈｉｃｈ               ｗｅ               ｔｏｏｋ               ａｓ               ａ               ｇｏｏｄ               ｓｉｇｎ.

Ｍａｙｂｅ               Ｕｎｉｔｅｄ               Ｈｅａｌｔｈｃａｒｅ               ｗａｓ               ｆｉｎａｌｌｙ               ｐｒｏｃｅｓｓｉｎｇ               ｔｈｅ               ｃｌａｉｍ               ａｎｄ               ｎｏｗ               ｔｈｅ               ｄｏｃｔｏｒｓ               ｗｅｒｅ               ｓｅｎｄｉｎｇ               ｏｕｔ               ｏｕｒ               ｐｏｒｔｉｏｎ               ｏｆ               ｔｈｅ               ｂｉｌｌ.

Ｗｅ               ｉｍｍｅｄｉａｔｅｌｙ               ｐａｉｄ               ｔｈｅ               ａｍｏｕｎｔ               ｏｗｅｄ               ａｎｄ               ｗａｉｔｅｄ               ｆｏｒ               ｔｈｅ               ｆｉｎａｌ               ｌｅｔｔｅｒ               ｆｒｏｍ               Ｕｎｉｔｅｄ               Ｈｅａｌｔｈｃａｒｅ.

Ｂｕｔ               ｔｈｅｎ               ｔｈｅ               45               ｄａｙｓ               ｐａｓｓｅｄ               ｗｉｔｈｏｕｔ               ｒｅｃｅｉｖｉｎｇ               ａｎｙｔｈｉｎｇ.

Ｉｎ               ｆａｃｔ,               ｉｔ'ｓ               ｂｅｅｎ               ａｂｏｕｔ               6               ｍｏｎｔｈｓ               ａｎｄ               ｗｅ               ｓｔｉｌｌ               ｈａｖｅ               ｎｏｔ               ｈｅａｒｄ               ｂａｃｋ               ｆｒｏｍ               Ｕｎｉｔｅｄ               Ｈｅａｌｔｈｃａｒｅ.

Ｉ               ｋｎｏｗ               ｗｅ               ｓｈｏｕｌｄ               ｅｌｅｖａｔｅ               ｔｈｉｓ               ｉｓｓｕｅ               ｔｏ               ｔｈｅ               ｎｅｘｔ               ｌｅｖｅｌ,               ｂｕｔ               Ｉ               ｆｅａｒ               ｗｅ               ａｒｅ               ｓｕｃｃｕｍｂｉｎｇ               ｔｏ               ｔｈｅ               ｗｅａｒ-ｄｏｗｎ               ｔａｃｔｉｃｓ               ｏｆ               ｔｈｅ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｙ.

Ｉｆ               ｔｈｅｙ               ｍａｋｅ               ｔｈｉｎｇｓ               ｄｉｆｆｉｃｕｌｔ               ｅｎｏｕｇｈ,               ｐｅｏｐｌｅ               ｗｉｌｌ               ｇｉｖｅ               ｕｐ               ｆｉｇｈｔｉｎｇ               ａｇａｉｎｓｔ               ｉｍｐｒｏｐｅｒｌｙ               ｄｅｎｉｅｄ               ｃｌａｉｍｓ.
               Ｉｎ               ｔｈｅ               ｍｅａｎｔｉｍｅ,               Ｉ               ｋｎｏｗ               ｔｈａｔ               ｗｅ               ａｒｅ               ｎｏｔ               ａｌｏｎｅ.

Ｕｎｉｔｅｄ               Ｈｅａｌｔｈｃａｒｅ,               Ｉ               ｄｉｓｃｏｖｅｒｅｄ,               ｄｅｎｉｅｓ               ｍｏｒｅ               ｃｌａｉｍｓ               ｔｈａｎ               ａｎｙ               ｏｔｈｅｒ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｙ               ｏｕｔ               ｔｈｅｒｅ.

Ｔｈｅｙ               ｄｅｎｙ               ａ               ｗｈｏｐｐｉｎｇ               14.4%               ｏｆ               ｔｈｅｉｒ               ｃｌａｉｍｓ,               ｗｈｅｒｅａｓ               ｔｈｅ               ｎａｔｉｏｎａｌ               ａｖｅｒａｇｅ               ｓｔａｎｄｓ               ａｔ               4%.

Ｔｈｉｓ               ｅｘｐｅｒｉｅｎｃｅ               ｈａｓ               ｃｏｍｐｌｅｔｅｌｙ               ｓｏｕｒｅｄ               ｍｅ               ｏｎ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ａｌｔｏｇｅｔｈｅｒ.

Ｗｅ               ｆａｉｔｈｆｕｌｌｙ               ｐａｉｄ               ｏｕｒ               ｐｒｅｍｉｕｍｓ               ｅｖｅｒｙ               ｍｏｎｔｈ,               ａｎｄ               ｔｈｅ               ｏｎｅ               ｔｉｍｅ               ｗｅ               ｎｅｅｄｅｄ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ,               ｔｈｅｙ               ｄｉｄ               ｎｏｔ               ｃｏｍｅ               ｔｈｒｏｕｇｈ.

Ｎｏｔ               ｏｎｌｙ               ｄｉｄ               ｔｈｅｙ               ｎｏｔ               ｃｏｍｅ               ｔｈｒｏｕｇｈ,               ｔｈｅｙ               ｈａｖｅ               ｆｏｕｇｈｔ               ｕｓ               ｔｈｅ               ｅｎｔｉｒｅ               ｗａｙ               ｗｈｉｌｅ               ｔａｋｉｎｇ               ｏｕｒ               ｍｏｎｅｙ,               ａｎｄ               ｈａｖｅ               ｒｕｉｎｅｄ               ｍｙ               ｈｕｓｂａｎｄ'ｓ               ｃｒｅｄｉｔ.
               Ｎｅｉｔｈｅｒ               ｏｆ               ｕｓ               ｃｕｒｒｅｎｔｌｙ               ｈａｖｅ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ.

Ｒａｔｈｅｒ,               Ｉ               ｖｉｅｗ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｔｈｅ               ｓａｍｅ               ｗａｙ               Ｉ               ｄｏ               ｓｏｃｉａｌ               ｓｅｃｕｒｉｔｙ:               ｉｔ'ｓ               ａ               ｇｏｏｄ               ｉｄｅａ,               ｂｕｔ               Ｉ               ａｍ               ｎｏｔ               ｃｏｕｎｔｉｎｇ               ｏｎ               ｉｔ               ｔｏ               ｂｅ               ｔｈｅｒｅ               ｗｈｅｎ               Ｉ               ｎｅｅｄ               ｉｔ.

Ｉｔ               ｉｓ               ｅｖｅｒｙ               ｍａｎ               ｆｏｒ               ｈｉｍｓｅｌｆ               ｏｕｔ               ｔｈｅｒｅ               ｔｈｅｓｅ               ｄａｙｓ.

Ｉ               ｗｏｕｌｄ               ｒａｔｈｅｒ               ｐｕｔ               ｔｈｅ               ｍｏｎｅｙ               Ｉ               ｗｏｕｌｄ               ｈａｖｅ               ｓｐｅｎｔ               ｏｎ               ｍｏｎｔｈｌｙ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｐｒｅｍｉｕｍｓ               ｉｎｔｏ               ａｎ               ｉｎｖｅｓｔｍｅｎｔ               ａｃｃｏｕｎｔ               ａｎｄ               ｐｕｔ               ｔｈａｔ               ｍｏｎｅｙ               ｔｏ               ｇｏｏｄ               ｕｓｅ               ｓｏ               ｉｆ               ｗｅ               ｎｅｅｄ               ｉｔ               ｆｏｒ               ｈｅａｌｔｈ               ｒｅａｓｏｎｓ               ｌａｔｅｒ,               ｗｅ               ｃａｎ               ｃｏｕｎｔ               ｏｎ               ｉｔ               ｂｅｉｎｇ               ｔｈｅｒｅ.
               Ｓｏｕｒｃｅｓ:               "Ｔｈｉｎｋ               Ｙｏｕ'ｒｅ               Ｉｎｓｕｒｅｄ?

Ｍａｙｂｅ               Ｎｏｔ."               -               Ｍａｒｃｈ               2007               ｉｓｓｕｅ               ｏｆ               Ｍｏｎｅｙ               Ｍａｇａｚｉｎｅ               ｂｙ               Ｗａｌｔｅｒ               Ｕｐｄｅｇｒａｖｅ               ａｎｄ               Ｋａｔｅ               Ａｓｈｆｏｒｄ






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