I work for one of the largest Health Service providers in the state of Florida. One would expect to have World Class Health benefits from such a provider. This is indeed not the case. We have in fact the worse health insurance I have ever had the misfortune to have had to deal with in my life.

It is their policy to deny every claim, no matter how small as a pre-existing condition, until they have completed their “pre-existing condition investigation.” Despite the fact that I provided proof of previous insurance to this provider over a month ago, they continue to deny each and every claim.

For example, a few weeks ago my wife slipped and sprained her shoulder.

Per the “Rocket Scientist” at our insurance company, that is a possible pre-existing condition. I dislocated a finger and tore a tendon, and of course that is a possible pre-existing condition. They even went so far as to deny the co-payment for the pain medication. A total cost to them of about two-dollars, but it might be a possible pre-existing condition. Never mind the facts; the insurance Nazis haven’t finished their “pre-existing condition investigation.” While they drag their feet on this “investigation” they have no problem at all deducting the co-payment from my paycheck.

In the end, I am paying for insurance that covers nothing; I have to pay the Doctors myself, with little to no hope of ever recovering those funds. I cannot afford any follow up visits that had been scheduled as I cannot afford to pay the insurance company and the doctors as well. My finger requires surgery to ever regain full mobility of it again. I will simply have to live with it, as I cannot afford the surgery, and the insurance company refuses to cover it. By the time the insurance Nazis, complete their “investigation” it will be too late to reattach the tendon.