Steve had a waiting period because he has a pre-existing condition (asthma.) We hadn't sent in the certificate of prior coverage to waive the waiting period, so Blue Shield denied coverage of a routine doctor's visit (asthma) during that waiting period.
I dug out the certificate and sent it in. (Ironically, the previous carrier was Blue Shield.) Waiting period waived. Blue Shield lets loose the coffers.
Yesterday, Blue Shield sent us a little action guide about asthma. Symptoms of asthma. How to treat asthma. It was this gesture of care. As if to say: We're not big and impersonal. We know what's up with you and we want to help.
But, I don't go to my insurance company for health tips, I go to my doctor. I go to my insurance company because we have a relationship defined by money, and they are to assist me with money matters.
Notice: Blue Shield did not send the asthma action guide when they first noticed the pre-existing condition and thus, would not pay out any benefits. Because that would be gauche, right? "Here, the best way to treat your asthma is to eat well, exercise, use your inhalers, and visit your doctor regularly, which we will not cover for six months because you have asthma."
Actually, I didn't even read the action guide, wouldn't it be terrible if they didn't mention medical treatment at all?
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