Need advice....

ideafspy

ideafspy

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Hello,

I know that sound stupid but I do not know. I am speechless for three days. I recived the letter and inform me that I was false information that I never raise myself as deaf and several health due not recorder on medical.

The medical form that I follow the answer "YES/NO". I answer the no because it didn't asked me "are you deaf?" Which they cannot asked due discrimination.

What the most shock me that they took my money monthly from the bank for one year. I have the health insurance card in end of Janurany 2003. They cancel in Janurany 14th 2003. They didn't explain why but telling me that I am not deaf. I have no health insurance for one year even I pay them and went to see the doctor. The insurance paid until I got this letter. Its sound like I need lawyer or what? Its my first time that letter telling me "you are giving us the false information". :eek2:
 
Need advice

It is unfortunate that the Deaf and hearing worlds don't agree. Deaf say they are not disabled and unfortunately the hearing world call deafness a disabilty.

On these forms they ask do you have any disability or any ailments or permenent problems etc. This question cannot be answered no by deaf or people with any other ailments.

In the eyes of the law, deafness is a disability so therefore you did incorrectly complete the form. Ask for legal advice etc and they will only tell you the same. They look at the fact that you need tty to use a phone, interpreter to talk in most situations where you deal with hearing people.
 
I am alittle confused on this.. What questions did they asked u and why did they said u gave them false information? just because u are not deaf im lost on this if u didnt say u are deaf on the application why would they say u are not deaf.. Im lost on this alittle bit.. please explain more.
 
actully..

RedRum said:
It is unfortunate that the Deaf and hearing worlds don't agree. Deaf say they are not disabled and unfortunately the hearing world call deafness a disabilty.

On these forms they ask do you have any disability or any ailments or permenent problems etc. This question cannot be answered no by deaf or people with any other ailments.

In the eyes of the law, deafness is a disability so therefore you did incorrectly complete the form. Ask for legal advice etc and they will only tell you the same. They look at the fact that you need tty to use a phone, interpreter to talk in most situations where you deal with hearing people.
Click to expand...

Its not asking me the question. They think that I just become deaf in few month ago. They believe that I was never rasie to be deaf for whole life. So they saying that I was giving them false information. I just answer the application to get insurance when the paper are asking me those question. Also-- I paid monthly and they didn't inform me that they were cancel or anything. Why do I got the insurance card in end of Janurany 2003.

Also, I submit this then went see the website of BCBS to access my account and my health insurance already wipe out. What is that sound like? Is CIA after me?
 
unfortunately, it looks like you have to see an attorney
about this situation. I'm sure that you agree with me
that you would have answered YES only IF they ask
"are you Deaf and/or hard-of-hearing". In my own opinion,
deaf have NOTHING to do with medical. It looks like
they are the ones being fraud themselves, NOT you.
Sorry you had to go through this hassle, sigh...
Sorry I am NOT an attorney so I cannot advice anything,
but I can share my opinion. I have to sign off and
go out of town for a few days.
Would be nice if someone else can feel free
to create another new thread here to
collect "Who is a deaf attorney specialized in which area ?"

P.S. I think Vamp has a potential to be
a GREAT Lawyer only if he gets that degree/license.
I would have hire him instantly :)
 
Last edited:
Y said:
P.S. I think Vamp has a potential to be
a GREAT Lawyer only if he gets that degree/license.
I would have hire him instantly :)
Click to expand...
Thanks! :deal: I wouldn't mind doing that.
 
ideafspy- Have you been tested by doctor(s) whether you are deaf or not? If so, do you have something like documents that will tell them you are deaf. If you don't know, ask your parents/guardians or even your doctor for copy of the documents and go talk to someone over at the insurance agency. I would advise that you let your parents/guardians or doctor read the letters from the insurance agency. Maybe all is just misunderstood?
 
VamPyroX said:
Thanks! :deal: I wouldn't mind doing that.
Click to expand...

You're welcome. I'm very serious the way
you presented yourself on this alldeaf very clearly
I strongly encourage you to go to a law school asap.
Please let me know anytime after you get
that law degree. Have you ever seriously considered this ?
Did many others say same thing about your skill ?
If you're interested in this, go for it. Geez, I wish
you have a degree/license now... oh well, good luck.
 
I think the section the insurance company is referring to is Part E, Section M. It specifically asks "Is there any abnormalty, deformity, or disorder not already specified, or any condition that may require treatment?" Deafness would fall under that category. I don't agree with the wording of the statement, but as health insurance providers, they're completely within their rights to ask these questions.

It also states under Application Agreement and Signatures: "I have read all the statements on this application and represent that they are true and complete to the best of my knowledge and belief. I understand that any false or incomplete information can result in retroactive cancellation of membership and coverage for all persons covered under the membership, and I will be obligated to repay promptly any benefit payments to which persons were not entitled." Failing to include information about your deafness would apply to that excerpt.

From what I see here, the insurance company is legally entitled to cancel your policy. Your best bet would be to hire a lawyer and if you're lucky, the lawyer may only have to explain that you didn't realize you weren't able to choose not to supply the requested information. Good luck in the fight to re-establish your health insurance policy.
 
Ergh. Just looked at RedRum's reply and basically my earlier posted reply was a longer winded version. So... Ditto.
 
> I think the section the insurance company is referring to
> is Part E, Section M. It specifically asks "Is there any
> abnormalty, deformity, or disorder not already specified,
> or any condition that may require treatment?"
> Deafness would fall under that category.
> I don't agree with the wording of the statement,
> but as health insurance providers, they're completely
> within their rights to ask these questions.


Good point Saline...

Apparently, deafness might be considered
as "abnormality", "deformity" and/or "disorder"..
BUT, deafness is in a condition that
does NOT require any treatment. It looks like
that he went to the doctor for something else
nothing to do with any treatment for his deafness.

Are you sure that Deafness would fall
under that category even WITHOUT
any treatment for his deafness?? Are you sure
that any deafies should have said "yes" on that
category ?

In the same meantime, I might NOT want to have
anything to do with Blue Cross (they already had some
bad reputations in the past giving people very hard times
for many years, sigh... )
 
Grr... that's the problem with bullshit legal documents and applications! You can never understand them 100%. Almost everything has two meanings and can always be held against you... jeez! :fu2:
 
my opinon is

Saline Eyes said:
I think the section the insurance company is referring to is Part E, Section M. It specifically asks "Is there any abnormalty, deformity, or disorder not already specified, or any condition that may require treatment?" Deafness would fall under that category. I don't agree with the wording of the statement, but as health insurance providers, they're completely within their rights to ask these questions.
Click to expand...

What the insurance company is referring for my deafness need the treatment? What kind the treatment would need for the deafness? There are no cure.

So my family look at that Part E and told them about what you just say.. they said, what treatment would be that for deafness.

Brain said:
ideafspy- Have you been tested by doctor(s) whether you are deaf or not? If so, do you have something like documents that will tell them you are deaf. If you don't know, ask your parents/guardians or even your doctor for copy of the documents and go talk to someone over at the insurance agency. I would advise that you let your parents/guardians or doctor read the letters from the insurance agency. Maybe all is just misunderstood?
Click to expand...

The tested by doctor(s) verify me be deaf or not? Well it is not all misunderstood. I read this letter and that letter kinda confuse like it blur and have to read again like 5 or 8 times to understand. I was not sure if I think the same idea because the deafness that caused my health. They believe that the deafness cause my fever in few month ago that I took mistake pill. So the insurance facts me that I was not deaf. I know that made no sense at all and I have no idea where they get those trainned from??! I started to advice people to not get BlueCross BlueShield of Oklahoma. My mother was confused and faxed to her to read that letter. She think the same thing what I have upon my mind. So we both call the insurance and we both got two different stories: (A- I call) The customer service doesn't have the data of this letter (B - Mother call) They have that information but been told her that I never return their letter as I suppose to be. So we both got two different answer from same one person, who handle with underwriting. So my mom want me faxed and will find out more on Monday morning that she was expecting to hear from insurance last Friday but they have not call back to her. She not that suprised. However; my aunt worked the health insurance but not the BlueCross BlueShield. She said those letter was wrong because my medical record has show paid and they told us that they never paid the doctor bill. They caused me to believe that I am coverage without any warning or letter to inform me until today. What were they doing for one year for one application form?

My mission plan on Monday (jan 12th): have to go 3 different doctors to gather the history of health. Include one doctor who is dealing with my health minor with bone
 
Thanks...

:type:
I want to thanks for opinion and stuff like that to see what you have on your mind. I am trying to figure out what the action result that I should accept or pick the lawyer to fight with insurance. Myself never sue or get the lawyer in my life. Even my parents and I never end up to get lawyer. Its will be new for me but meanwhile. I could like to hear your thinking about this. I have nothing to be hide about my health expecting I am not take picture and post to be naked!

I am waiting and going to see the lawyer advice if the case is volient under federal for the health insurance. I read some research to find the insurance's right. Well what I learn that if they want more information and they need to sending me something instead to keep quiet for one year and get profit. You see the profit went to money to made grow and refund the money back but they made profit for themselve to grow which is wrong. The "grow" is suppose go to my health doctor. (SIGH) Wish it didn't happen to me for begin of 2004. Isn't too early for that..

:fu2: @ BCBS (don't get it if you live in Okla because that where I am from)
 
What the insurance company is referring for my deafness need the treatment? What kind the treatment would need for the deafness? There are no cure. So my family look at that Part E and told them about what you just say.. they said, what treatment would be that for deafness.

I can see why you wouldn't think it was necessary to list your deafness under that category if you have no intentions of wearing hearing aids or a cochlear implant or any other methods of approaching it. You're right, there is no cure for deafness at this point, just different ways to approach it, or not at all. However, the way that I interpret this sentence:"Is there any abnormalty, deformity, or disorder not already specified, or any condition that may require treatment?" is that or is the key word. That's a pretty broad question. It is not just asking what conditions you have that require treatment, it's asking IF you have any conditions or disorders. So whether or not you plan on doing anything about it is a separate issue, by the way that's worded, at least that's what I believe. (I'm not an expert in legalese though!)

If your insurance company allowed you to continue making the premiums on a monthly basis for what sounds like a year, yet didn't provide coverage, you've got cause to sue. Did they refund your payments? I'm a bit confused about this area.
 
Hey,

Wait minutes.. Have you gone for Audio test (Ear Test) to have you polograph proof that you're deaf.. That key shows! Make Photocopy paper and to show them if not work.. then plan b.. go to lawyer.. wud be more helpful lot..
Wishes you have great luck!
 
whatta headache! hope the situation improves for you ideafspy.

just a thought - if the insurance co was really messing around with you, you might be entitled to getting a full refund with the help of a lawyer. then find a better and nicer insurance co. case closed. :mrgreen:
 
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