A little over a year ago I picked up a health client. Really nice couple and their daughters from south GA.
Saved them a bunch of money by switching from a BX plan with copays and a $2k deductible to a $10k HSA.
They were very happy.
Then 3 months ago her husband had severe headaches. Taken to the ER by ambulance, admitted to ICU, on life support for 2 weeks.
He was discharged and put on a restricted schedule, both work and activity. His job is in CA and she has a day care business in GA.
Tough situation.
She called last month because Humana had picked her husband's claim for review. Want to make sure it is not pre-ex, blah, blah.
I got him to sign a HIPAA waiver and jumped in. The claim is over $100k and continuing, but not at the same pace.
Earlier today I followed up to see if the claim was still on hold or what. She has provided everything Humana requested and is now waiting on them.
I don't anticipate any problems.
But then she told me about Jimmy. Due to his restricted work schedule he was terminated. His last day is next week.
They have some savings but most of that will go to meet the deductible and other living expenses. They are about to be in crisis.
And I never asked about disability coverage.
Not once.
I feel like crap.
Saved them a bunch of money by switching from a BX plan with copays and a $2k deductible to a $10k HSA.
They were very happy.
Then 3 months ago her husband had severe headaches. Taken to the ER by ambulance, admitted to ICU, on life support for 2 weeks.
He was discharged and put on a restricted schedule, both work and activity. His job is in CA and she has a day care business in GA.
Tough situation.
She called last month because Humana had picked her husband's claim for review. Want to make sure it is not pre-ex, blah, blah.
I got him to sign a HIPAA waiver and jumped in. The claim is over $100k and continuing, but not at the same pace.
Earlier today I followed up to see if the claim was still on hold or what. She has provided everything Humana requested and is now waiting on them.
I don't anticipate any problems.
But then she told me about Jimmy. Due to his restricted work schedule he was terminated. His last day is next week.
They have some savings but most of that will go to meet the deductible and other living expenses. They are about to be in crisis.
And I never asked about disability coverage.
Not once.
I feel like crap.