Right From The Horse's Mouth

A former PR exec for insurance companies told it like it is last week when he told a Senate subcommittee, in essence, “Don’t trust insurers”.

Wendell Potter, a former Cigna vice-president, testified that health insurance companies have a policy of trying to avoid paying benefits to their policyholders, use deliberately incomprehensible documents to mislead consumers and sell “junk” policies that do not cover needed care.

Potter declared that insurers make paperwork confusing because they realize that people will simple give up and not pursue a claim if they think it is difficult to do so.

Potter’s revelations reinforce our previous warning in this blog to claimants and potential claimants that disability income insurance companies rely on many a person’s visceral dislike for conflict to save insurers untold millions on claims they should pay, because they know people just give up on them. (See “Docility” below).

We cannot stress too forcefully that giving up should not be an option for a health claimant facing economic hardship. The insurance companies have a policy of making benefits collection a hard road. Claimants have to make up their minds to take the ride or suffer the consequences on top of their illness or injury.