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San Jose, CA
reply to Transmaster

Re: This is exactly what's wrong with our civil justice system

Same with health insurance with denied coverage for individuals

They almost pay nothing except for visits and prescription (generic mostly). Will they pay for brain scan MRI? You bet, they will count you against fully deductible and out of pocket expenses before they cover. And if you are poor, even if you are healthy the best you can afford is high deductible health insurance plan with deductible as high as 5,000 sometimes more. Medicaid, give me a break that is bullshit with hole. They won't pay you unless your household earns so little that you live on cat food.

So now you get a new job and have health insurance. great but you have to wait 3 months or sometimes 6 months for full coverage to take effect and it often does not credit coverage from previous insurance if you had individual health insurance or in case of employer-sponsored group a break of more than 2 months.