@MeganJanas I will start so that we all feel comfortable and can see how easily it is to share.
In 2007, my twins were born early. They needed the NICU- one for 4 weeks and the other for 5 weeks. I had this funny feeling that our insurance company was going to claim that "they didn't know that we had two babies." Which is funny, because the care, the ultrasounds- all indicated there were in fact 2 babies. So, about 2 weeks into the stay at the hospital, my husband and I walked into the billing department just to tell them, hey, we do have two little patients here, please make sure that insurance knows. We were assured, they did.
Fast forward, we get home. Bills start to show up. The largest, $240,000 was marked paid. Ok. One down.... We waited. The next showed up: $40,000. Unpaid. Reason: You didn't tell us you had 2 babies. Ummm, what? What? Are you serious? This can't be real. Oh, yeah. We got to 5 appeals out of 7. On the 5th appeal, they finally paid that last 40. But it was so stressful.
Solution: Knowing at the start of care, who will be on this policy, and the insurance company understanding that this is a very stressful time, pay the bill, would have been a great start. Hanging this over their customer's heads was irresponsible.
Having more tools at one's disposal would have alleviated this. Making sure that customers feel supported, and reassured would have made this time different. When life is in the balance, money is the very last thing you think of. With this industry, money is the first thing thought of. This needs to change. It's people, caregivers, and life first- always.
I was reminded the other day of this, when the video of a man lambasting a politician, came up in my feed. One of his lines is: "That the healthcare industry is a for-profit business is immoral." I think some profit in healthcare is a good idea. But billions in profit is hurting us, robbing us of savings, and not adding any longevity or healthy years to our lives. We can fix that, and this is why I am a part of Citizen Health.