THEIR RULES, OUR PAIN ARCHIVE
Read more real stories of people trampled by the insurance companies.
- Mrs. Q of Glendale, AZ wrote to tell us about her struggles getting and keeping health insurance for her family as a small business owner. Read more about it.
- Mrs. G of North Carolina wrote to tell us about how her insurance company has interfered with how her husband’s doctor wants to treat him. Read more about it.
- Mrs. R of Hagerstown, MD wrote to tell us about how her family has been unable to get health insurance since losing their employer-sponsored benefits. Read more about it.
- Ms. M of Roswell, GA wrote to tell us her experience with health insurance company red tape as a worker in health care administration. Read more about it.
- Mr. C of Trabuco Canyon, CA wrote to tell us about his mother’s experience after joining a private Medicare health plan. Read more about it.
- Ms. B of Sherman Oaks, CA wrote to tell us about her experience being denied coverage for her emergency room visit. Read more about it.
- Ms. Z of Indianapolis, IN wrote to tell us about her experience being denied coverage for needed care. Read more about it.
- Mr. W of Houston, TX wrote to tell us of how his insurance company used his pre-existing condition as an excuse to refuse coverage for a wide range of needed care. Read more about it.
- Mr. L of Michigan wrote to tell us about the problems his mother had trying to get care even though she had insurance. Read more about it.
- Mrs. K of Efland,NC, wrote to tell us about how her family has been "trapped inside the health(un)care machine." Read more about it.
- Mr. B of Michigan wrote to tell us about how he thought he was covered until he needed care. Read more about it.
- Mrs. C of Lexington, KY, wrote to tell us about her daughter’s inability to get health insurance because she is pregnant. Read more about it.
- Mr. B of Pennsylvania wrote to share his experience with higher than expected out-of-pocket costs for out-of-network care. Read more about it.
- Mrs. K of Nebraska wrote to share the different excuses her insurance company used to deny payment for the care she needed, including that her problem was "pre-existing." Read more about it.
- Mrs. H, a freelancer in New York, wrote to tell us about her experience with high out-of-pocket costs and denials of care from the health insurance she was able to buy through a professional association. Read more about it.
- Parvin Mottaghi's insurer approved open-heart surgery. After she had the operation, her insurance company cancelled her policy, leaving her with about $100,000 in medical bills. Read more about it.
PRIVATE INSURANCE 101: Understand how private insurance works
THE RULE BOOK: Find out the rules in your state
GLOSSARY: Health Insurance Terms
LATEST SCORECARD
Half of U.S. Doctors Report Insurance Restricts Medications or Treatment Decisions
Fifty-eight percent of primary care doctors in the U.S. report their patients often have difficulty paying for medications and care, and half of U.S. doctors spend substantial time dealing with restrictions insurance companies place on their patients’ care, according to the 2009 Commonwealth Fund International Health Policy Survey.
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Family Premiums for Employer-Sponsored Coverage Rose About 5%
Families saw their premiums for job-based health insurance rise to an average of $13,375 annually in 2009, with workers paying an average share of $3,515 and employers paying $9,860.
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