Department of Insurance

The lastest wrinkle in our story is the mystery of the California Department of Insurance. We wrote to them several months ago, complaining about how Mega had applied our deductible. We had written to Mega, and didn't seem to be getting anywhere. The California Department of Insurance said they had no jurisdiction over Mega, and sent our complaint to the Alabama Department of Insurance. We received a response from Alabama, saying that that health insurance is federally regulated, and they had no jurisdiction in the matter.
Oddly, Mega, in their letter to us, cited our inquiry with California. The department had indeed sent them a letter, even though California stated to us they had no jurisdiction in the matter.
We later found out Mega doesn't have any office in Alabama, so why was our complaint sent there?
It's all very mysterious........

Will Wonders Ever Cease?

Received a letter yesterday from Mega. It seems we are the recipients of a "one time" consideration, and they are paying off the rest of our medical bills, and returning the $4,000 we paid to Mercy Air. We are wondering, what prompted all of this?
Their letter mentioned, "in reference to your inquiry with the California Department of Insurance". Could it be that Mega didn't want them looking too closely?
We are elated to have our life back, and to free of this nightmarish debt. Now if Stu's injuries would just heal........

Hallelujah!

If I had any religious convictions, I would say "our prayers were answered". But I don't, so all I can say is "thank goodness". We received a statement today from Mega Life, they have paid our ENTIRE hospital bill!! It's all very mysterious, we don't have a clue as to what transpired. Could it be the current atmosphere regarding health insurers, something to do with the whole "Sicko" uproar??

The idiot's insurance finally paid us our settlement money, MINUS a small amount for the idiot's girlfriend, who claimed she suffered some sort of psychological damage. What a bunch of crap! I remember her at the accident scene, screaming her fool head off. It wasn't anyone she knew lying on the ground! I finally had to tell her to shut up. Judging by her appearance, she was damaged goods before this ever happened. At any rate, the $ will come in handy, we still have several medical related bills to reconcile.

Trying to Pay the Bills

We still haven't received our pittance of 10k from the idiot's insurance company. (This is what we call the guy who caused all of this). They've been playing games with us for months because we refused to sign their forms, absolving the idiot from liability forever, and I wouldn't sign their non-disclosure. They finally re-wrote the terms, and we signed the paper at least two months ago. Now they say the check got "lost in the mail". It sure would help to pay down the bills. The other two guys signed immediately, thinking they would at least have that money for all the pain and suffering of this mess. Instead, their health insurance companies "subrogated" the money. What does "insurance" mean, if they get to pay themselves back out of your settlement?

Stu negotiated with Mercy Air, and we settled our bill with them for $4,000. He did a great job with that debt, they took less than half of what we owed them. Now if everyone else would be co-operative, maybe we could get these smaller bills out of the way.

We still haven't heard back from Palomar Hospital about our offer. Don't know if that's a good sign, or a bad one.

The Argument for Universal Healthcare

I always look forward to reading Jane Bryant Quinn's articles in Newsweek. This one really hits home for me.
http://www.msnbc.msn.com/id/19886686/site/newsweek/

More Pictures of the Accident

I finally posted pictures from the accident scene on Webshots. Here's the link. http://community.webshots.com:80/user/krnsu100?vhost=community

Another Thorn in Mega's Side

I picked up this week's issue of People Magazine, there was an article on the cover that caught my eye. Lo and behold, there's an article in this week's issue mentioning Mega Life, about them screwing more people. The timing of this article is perfect! I hope the bad publicity drives them out of business.