I’ve suffered head problems due to a surplus of concussions that has required numerous MRIs, neuropsychology tests, etc. leading to an upward cost of 10,000 dollars in appointment payments. My sister has a very extreme eating disorder that has never healed on its own so we had to seek impatient help, costing on average 30,000 dollars for a 30-day treatment. My lively younger brother has gotten pulled over three times since getting his license just over a year ago, because he is convinced that he is a speed demon in a Prius. This belief has paved the way for hyper increased car insurance rates that my parents have the misfortune of settling.
The point of these personal stories is not to solicit pity; rather these images offer a perfect representation of what daily life is like in an average family. Each family struggles with their own difficulties and problems but the main point remains: things happen, and we need to be protected.
Whether regarding health, life, vehicle, house (or whatever else) insurance, the importance of each lies in the ideology that humans should not be required to pay their life savings for a simple cut that needs stitches, a thief that stole a ring that had been passed down for eight generations, or a speeding ticket from a police officer who wasn’t exactly feeling merciful that day.
The unfortunate thing about insurance (for customers) is that people who are in the industry are in the business of making money. Justifiably, insurance companies seek to make profit, not indifferent from any other business in the United States. However, when you juxtapose the goals of an insurance company with the goals of someone who is paying for the insurance, the outlooks do not always match up.
I will use my sister’s impatient situation as an example. She was placed in this eating disorder home just two short weeks ago. Mind you, she has been struggling with this mental problem for over seven years now. Our insurance has covered the majority of the costs for the past two weeks, which is great, but is refusing to pay for treatment any longer, insisting she is healthy enough to move out of the home and receive less intensive treatment. It is interesting though, that they are so quick to assume that she is in good health when every psychological statistic I’ve ever heard states that you can break a bad habit in twenty-two days. A habit. With that being said, that applies to someone who wants to stop biting his or her nails, or stop using foul language. So even breaking a simple, stupid habit takes longer than two weeks. Unfortunately, as I am sure our insurance company knows, eating disorders are not just habits, they are mental disorders that stem from chemical imbalances in the brain. To believe that in two short weeks, someone’s brain could be rewired and retrained back to good health is foolish. It is clear to me that although the point of insurance companies is to protect us; some times the desire to save and make money overpowers the insurance company representatives’ consciousness to be mindful of their job’s purpose.
On a positive note, my head treatments were all covered by insurance, so instead of stressing about my parent’s financial situation, I was able to take the time to make a near perfect recovery. And although the price of my brother’s car insurance has increased significantly, we can rest peacefully knowing that our insurance can protect him from angry drivers or injury from a (knock on wood) accident.
To me, insurance means business. A company sells a product or service, in this case the insurance of someone’s belongings or life. In return for this promise, the company receives periodic payments regardless of if the consumer is actually needing and using their insurance. Because of this benefit, the company is able to pay for other users who need insurance at that time. In a perfect world, this system could work. Everyone would be able to use the insurance whenever they needed and the insurance company would have enough money to go around. As we all know, this isn’t the case for our world. Accidents happen all the time, insurance companies do not have unlimited money to spend on each customer and they find themselves picking and choosing very selectively what they will pay for and what they must deny from people.
It is not about selfishness or inability to empathize with people; rather insurance companies need to maintain an overarching sense of objectivity in order to keep their company above water and, inevitably this sometimes negatively affects the costumer.
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Enhanced Insurance is not written by attorneys. If you’re looking for legal advice, you need to contact a lawyer. Further, insurance practices and forms change constantly and are varied from state to state. For definitive answers in your area, contact a local agent.