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View Diary: When All You Have Left Is 'It Could Have Been Worse' (27 comments)

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  •  In most states... (12+ / 0-)

    ...it doesn't even matter if you are sick, or have the ability to fight back.

    With mandatory arbitration agreements, and most states not having any other recourse, you are basically asking another part of the insurance company (not a 'legal' part, but someone entirely dependent upon the insurance company for his income) to rule against the insurance company. Your chances may well be better buying a lottery ticket.

    California does have the Insurance Commission, which is dramatically better than nothing. But still, they're underfunded and understaffed, and a complaint can take a year or more to make it through their process. And if you fail to get the chemo you need, and by the time the appeal is won it won't help you any more, then hey... the insurance company doesn't have to pay after all.

    Meanwhile, by pushing the 'sell insurance across state lines' meme, the Republicans are doing their best to get rid of 'burdensome regulations' like the Insurance Commission.

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