The eeeevil insurance industry strikes again! How about the policy holder\’s responsibility to KNOW WHAT THEY\’RE BUYING? At least this guy acknowledged that it\’s important to read the fine print.
Removing drug and alcohol exclusions from these policies is doing nothing more than giving people a license to be reckless and irresponsible. Policyholders are not only responsible for knowing what is in their own policy, they are also responsible for avoiding risks that are clearly avoidable–that is why they are excluded from the policy in the first place!
I do not feel that much for the injured party in this case, drink a case a pint and drive and you deserve what you get.
I do feel sorry for the medical providers in this case who are not being paid for the work they did.
Here is an idea, use a new proviso that says the medical provider will be paid, but that the insurance carrier can sue the policy holder to be paid back.
Medical providers will report alcohol use since it does not affect them in the pocket, insurers will be able to chase some money, and people who follow the law may save some money.
There is the same exclusion in the MA auto policy under the P.I.P. (no-fault) provision. I don\’t know of any company that will sell an \”any and everything\” health insurance policy. Every policy that gets mailed from our office reminds the policyholder that all policies have limitations and exclusions and that they need to review the coverage. Responsibility is the key word.
\”I would never have gone out and purchased a health insurance policy if I had been aware there was an alcohol exclusion in it,\’\’ said the elder Bishop, who is self-employed.
I wasn\’t buying it for say, an appendectomy or gall bladder surgery, or my routine physicals…….I was just buying so if I got hurt while I was drunk…..
I am not a proponent for Drunk Driving, and EVERYONE should take responsibility for themselves, however, \”Drunk\” is not subjective and based on your actions. It is based on your BAC. DO YOU REALLY KNOW IF YOU ARE SOBER OR CAN PASS THE BREATHALYZER? In Texas the legal limit is .08, so if you go to a Company party or HH and consume around 4 margaritas within 2 hours, you are illegal drunk, and coverage can be denied, if there is this exclusion.
NO reason to respond. Just thought I would create a realistic situation in which this exclusion might apply.
The same thing can happen if your kid trys to commit suicide and lives. Self inflicted exclusion. The parent can be left with $200,000 of unpaid medical bills. We really need to discuss every exclusion in a policy and advise if the coverage is available
Aren\’t most illegal acts excluded from all types of coverage and isn\’t underage drinking in most states illegal? Or is buying and consuming beer and liquor at 18 legal.
When I read this article, all I thought about was that doctors are worried about their pockets. There are enough responses that indicate full acceptance of the exclusion that denied coverage.
There are other ways for doctors to try to recoup their losses (sue the family) but to try to change coverage to cover obviously negligent (and even illegal) behaviors does not seem to be the way to go. Don\’t reward such behavior.
The only agent I have ever had actually go over my policy with me is my cuurent agent. Every policy I have purchased before, I was given grief because I choose to sit down and read the entire policy before purchase. I would always get \”I went over everything with you\” just to find out that there is something that was not explained fully.
The agent sells him/herself based on trust, so when a customer trusts the agent and the agent does not fully cover everything, then other agents always say \”They should have read what they were signing.\”
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The eeeevil insurance industry strikes again! How about the policy holder\’s responsibility to KNOW WHAT THEY\’RE BUYING? At least this guy acknowledged that it\’s important to read the fine print.
Removing drug and alcohol exclusions from these policies is doing nothing more than giving people a license to be reckless and irresponsible. Policyholders are not only responsible for knowing what is in their own policy, they are also responsible for avoiding risks that are clearly avoidable–that is why they are excluded from the policy in the first place!
I do not feel that much for the injured party in this case, drink a case a pint and drive and you deserve what you get.
I do feel sorry for the medical providers in this case who are not being paid for the work they did.
Here is an idea, use a new proviso that says the medical provider will be paid, but that the insurance carrier can sue the policy holder to be paid back.
Medical providers will report alcohol use since it does not affect them in the pocket, insurers will be able to chase some money, and people who follow the law may save some money.
My 2 cents.
There is the same exclusion in the MA auto policy under the P.I.P. (no-fault) provision. I don\’t know of any company that will sell an \”any and everything\” health insurance policy. Every policy that gets mailed from our office reminds the policyholder that all policies have limitations and exclusions and that they need to review the coverage. Responsibility is the key word.
Guffawww!
\”I would never have gone out and purchased a health insurance policy if I had been aware there was an alcohol exclusion in it,\’\’ said the elder Bishop, who is self-employed.
I wasn\’t buying it for say, an appendectomy or gall bladder surgery, or my routine physicals…….I was just buying so if I got hurt while I was drunk…..
I am not a proponent for Drunk Driving, and EVERYONE should take responsibility for themselves, however, \”Drunk\” is not subjective and based on your actions. It is based on your BAC. DO YOU REALLY KNOW IF YOU ARE SOBER OR CAN PASS THE BREATHALYZER? In Texas the legal limit is .08, so if you go to a Company party or HH and consume around 4 margaritas within 2 hours, you are illegal drunk, and coverage can be denied, if there is this exclusion.
NO reason to respond. Just thought I would create a realistic situation in which this exclusion might apply.
The same thing can happen if your kid trys to commit suicide and lives. Self inflicted exclusion. The parent can be left with $200,000 of unpaid medical bills. We really need to discuss every exclusion in a policy and advise if the coverage is available
Aren\’t most illegal acts excluded from all types of coverage and isn\’t underage drinking in most states illegal? Or is buying and consuming beer and liquor at 18 legal.
When I read this article, all I thought about was that doctors are worried about their pockets. There are enough responses that indicate full acceptance of the exclusion that denied coverage.
There are other ways for doctors to try to recoup their losses (sue the family) but to try to change coverage to cover obviously negligent (and even illegal) behaviors does not seem to be the way to go. Don\’t reward such behavior.
Just my 2 cents worth.
The only agent I have ever had actually go over my policy with me is my cuurent agent. Every policy I have purchased before, I was given grief because I choose to sit down and read the entire policy before purchase. I would always get \”I went over everything with you\” just to find out that there is something that was not explained fully.
The agent sells him/herself based on trust, so when a customer trusts the agent and the agent does not fully cover everything, then other agents always say \”They should have read what they were signing.\”