I have good retiree insurance, and I’ve seen my insurance company deny claims from hospitals and doctors who treated me.
In each case it was because the claim was badly screwed up. In one case, I visited the ER with bradycardia. The ER doc I dealt with billed insurance for everything the hospital did, more than $8,000 for 90 minutes. The Insurance company made him charge for his own work only, and the hospital had to charge seperatly for its work.
The ER transferred me to a hospital with a cardiac specialist clinic. The screwed the claims up, too. Double billing only scratches the surface of what they did wrong. Insurance eventually paid hospital over $45,000.
You are a very lucky man.
I thought that was a thing of the past, at least in the private sector.
My company dumped their retirees about a decade ago.
I plan on retiring in about 2 years when I am 60. My wife will pick up my insurance on her company’s insurance.
Who knows what that will cost?