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PeaceWave

(1,208 posts)
Fri Dec 13, 2024, 12:33 AM Dec 13

Contrary to what some people are saying, health insurance workers are NOT your enemy.

Nor should they being working in conditions where they are afraid of what you think of them. To this end, I offer my own personal experience...

Back in the day, after I first graduated from undergrad, I worked as a health insurance claims adjuster. I considered myself as working on behalf of the claimants - not the insurance company that paid my salary. Perhaps the company should have considered that possibility before hiring a Berkeley grad. Anyway, you would not believe how many people do not follow up on their initial health insurance claims. I had a drawer half full of claims that couldn't be processed because the claimants wouldn't send me a simple authorization to obtain medical records. Company policy was to send out a second request and then forward the files to archives -- basically a warehouse where cases go to die. But, I was young and idealistic and figured that all of my claimants were in need of financial assistance. On numerous occasions, I stayed late - well after my boss and her boss and our big boss had all gone home. What was I doing? I was conducting searches, looking for claimants who had moved and not left a forwarding address. I was pulling phone books from the city that claimant was last known to reside in. I was sending out third, fourth and fifth notices. Nothing made my day more than when I found a missing claimant, was able to contact them, was able to obtain that signed authorization form, obtain the medical records I needed and get that claimant's claim paid. My bosses probably suspected what I was doing. My drawer of doomed claims was emptier than those of other adjusters. You know what though? What I did was something that I will never, ever regret.

The point is this...If you ever cross paths with a claims adjuster who goes to bat for you, take the time to thank them. They may just be staying late, on your behalf - not because they have to, but because they want to - despite the fact that they don't even know you. And, you most certainly don't know them.

48 replies = new reply since forum marked as read
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Contrary to what some people are saying, health insurance workers are NOT your enemy. (Original Post) PeaceWave Dec 13 OP
The CEO is just another worker, dudes! dpibel Dec 13 #1
What would you call this thread, entitled... PeaceWave Dec 13 #2
I'd call it anecdotes dpibel Dec 13 #4
Of course you would. What podcaster do you rely on for truth? Silent Type Dec 13 #7
LOL dpibel Dec 13 #8
I just had someone respond to me here Sympthsical Dec 13 #12
Honored that you've checked in! dpibel Dec 13 #14
They are! Sympthsical Dec 13 #15
We are in entire agreement on that dpibel Dec 13 #17
In response to your statement... Think. Again. Dec 13 #19
I have eyes capable of reading words as written Sympthsical Dec 13 #21
I'm glad to hear you won't be putting in insurance claims for ophthamology or neurology! Think. Again. Dec 13 #22
None of this is addressed to me or anything I've come close to saying. Sympthsical Dec 13 #27
You do realize we are conversing on a direct thread... Think. Again. Dec 13 #30
When has anyone needed proof in politics. Do you need some clerk to get beaten badly. Which BTW Silent Type Dec 13 #13
Can you help me understand? dpibel Dec 13 #16
First off, dpi, I didn't link to a NYT article. "Hundreds of thousands"? Over how many centuries? Silent Type Dec 13 #20
The podcast theme is charming dpibel Dec 13 #23
Right. H2O Man Dec 13 #25
Moving the goalposts mcar Dec 13 #41
Boom! mcar Dec 13 #40
How about the shareholders? Kaleva Dec 13 #5
Here is some good news, UHG is down 25% since shooting and still falling. Just looked. Silent Type Dec 13 #10
Better news would be headhunters getting jobs for some of the soon to be laid off UHC workers. PeaceWave Dec 13 #11
Maybe. I think issue might wake them up and correct things. Plus, for time being Silent Type Dec 13 #18
Oh man, what did I miss? Think. Again. Dec 13 #3
A woman was arrested and charged after threatening someone on the phone. LeftInTX Dec 13 #35
oh goodness, imagine getting frustrated by corporate phone practices. Simply unheard of. Think. Again. Dec 13 #36
Good luck. Some here think Luigi M should be head of U.S.A. healthcare. Silent Type Dec 13 #6
Name one dpibel Dec 13 #9
I haven't seen that. H2O Man Dec 13 #24
Is this one of those "Many People Are Saying!" things? Think. Again. Dec 13 #31
This whole thread is "some are saying." Iggo Dec 13 #34
I'm not saying he should be, but intheflow Dec 13 #38
Contrary to what some people believe, school children are NOT your enemy. Scrivener7 Dec 13 #26
I blame health insurance companies angrychair Dec 13 #28
I disagree... Think. Again. Dec 13 #32
Who you work for matters angrychair Dec 13 #39
Unfortunately, no. For a lot of people, who they work for is not a choice. Think. Again. Dec 13 #42
Exactly. PeaceWave Dec 13 #43
You think it was easy angrychair Dec 13 #46
I'm glad you were able to leave the defense contractor job for something... Think. Again. Dec 13 #47
Oh. Who are these people saying that about the workers? RockRaven Dec 13 #29
I believe they are "big strong people with tears in their eyes!". Think. Again. Dec 13 #33
check the response before yours Skittles Dec 13 #37
You didn't read the replies did you? nt sarisataka Dec 13 #44
I have read here posts sarisataka Dec 13 #45
NOT 'the workers'! Corporate CEOs?? Quite possibly. Jack Valentino Dec 13 #48

dpibel

(3,450 posts)
1. The CEO is just another worker, dudes!
Fri Dec 13, 2024, 12:39 AM
Dec 13

Who, exactly, on this website or anywhere, has said that health insurance workers are the enemy.

I've seen posts saying that the insurance industry is a black hole of greed inflicting pain on innocent people.

I've seen posts saying that insurance executives who dispassionately set a policy of denying claims as an automatic first response are evil.

I have not seen anyone saying that claims adjusters are evil. They're cogs in the machine. You were obviously a good and helpful and earnest and honest cog. Not all are.

But to try to make this about the front line workers is, frankly, disingenuous.

PeaceWave

(1,208 posts)
2. What would you call this thread, entitled...
Fri Dec 13, 2024, 12:42 AM
Dec 13

Health Insurance Workers Fearful Amid Public Anger After Slaying of C.E.O. (HAHA! GOOD!!)

https://democraticunderground.com/100219815361

dpibel

(3,450 posts)
4. I'd call it anecdotes
Fri Dec 13, 2024, 12:48 AM
Dec 13

Can you find some line workers who are, reasonably or not, afraid? Bet you can!

Can you find Americans who believe just about any random bullshit? You can for sure!

I mean, I realize that the NYT is totally straight news without the slightest bias. Certainly not pro-corporate bias. But I'm just not sure that finding a couple of people who say they're scared constitutes the authoritative conclusion of the matter.

Your mileage, clearly, differs.

You are aware, I trust, that there are many people in America who are afraid to go to the hospital for fear of ending up bankrupt. But--what?--that's just good business?

On edit: what does that thread prove about what's being said on this website? That was your original subject line.

dpibel

(3,450 posts)
8. LOL
Fri Dec 13, 2024, 12:53 AM
Dec 13

I'm not sure I even know what a podcaster is.

The point, which I bet you actually get, is not whether the NYT is reliable.

It is that citing a couple of people who report being terrorized does not, in any world, constitute proof, or even evidence, that people are calling for the murder of front line workers.

You're smart. You know that.

Sympthsical

(10,411 posts)
12. I just had someone respond to me here
Fri Dec 13, 2024, 01:03 AM
Dec 13

That they do not consider workers at these companies innocents.

Workers, not CEOs. Not decision makers. Not policy makers. Workers.

And in an atmosphere where people clearly hope for more violence (don't bother denying this one - it would insult both our intelligences), what does it mean when people start parsing who is innocent and who is not?

That's the problem wandering this world without a compass and relying on whatever seems like a good idea at the time. People often find themselves arriving at strange, undesirable places.

dpibel

(3,450 posts)
14. Honored that you've checked in!
Fri Dec 13, 2024, 01:06 AM
Dec 13

Broad brushes and confidently stated assertions are really great. I think we both agree on that.

Think. Again.

(19,517 posts)
19. In response to your statement...
Fri Dec 13, 2024, 01:17 AM
Dec 13

"And in an atmosphere where people clearly hope for more violence (don't bother denying this one - it would insult both our intelligences)..."

Unless I'm mistaken, the hope you are referring to is the hope that the violence commited against patients by the insurance industry can be REDUCED.

Sympthsical

(10,411 posts)
21. I have eyes capable of reading words as written
Fri Dec 13, 2024, 01:22 AM
Dec 13

And a brain to understand the context and intent behind them.

It serves zero purpose to deny these sentiments are floating around. Why bother? I don't get it. Who is the denial for? It can't be for me. And everyone else already has their own thoughts on these things. Is there an invisible audience involved I am unaware of? Is it an attempt at gaslighting posterity?

"No one did what they were obviously doing."

K.

Think. Again.

(19,517 posts)
22. I'm glad to hear you won't be putting in insurance claims for ophthamology or neurology!
Fri Dec 13, 2024, 01:28 AM
Dec 13

But again, I believe the calls that are being made are for the reduction in harm to patients needing care.

Think. Again.

(19,517 posts)
30. You do realize we are conversing on a direct thread...
Fri Dec 13, 2024, 02:26 AM
Dec 13

...in which I responded to your post # 12, correct?

Silent Type

(7,483 posts)
13. When has anyone needed proof in politics. Do you need some clerk to get beaten badly. Which BTW
Fri Dec 13, 2024, 01:04 AM
Dec 13

is what Luigi should have done if he just had to hurt this guy.

dpibel

(3,450 posts)
16. Can you help me understand?
Fri Dec 13, 2024, 01:09 AM
Dec 13

"When has anyone needed proof in politics."

I honestly can't make a lick of sense of that.

You offered an NYT article with some anecdotes as evidence in support of your assertions.

Why'd you bother with that if no one needs proof in politics.

I'm not sure, actually, that this is politics. If I take you and a number of others at their words, this is not a matter of politics. It's a matter of life and death for thousands, maybe hundreds of thousands, of people.

Silent Type

(7,483 posts)
20. First off, dpi, I didn't link to a NYT article. "Hundreds of thousands"? Over how many centuries?
Fri Dec 13, 2024, 01:18 AM
Dec 13

Wanna back that simple statement up with some stats, even a podcast?

dpibel

(3,450 posts)
23. The podcast theme is charming
Fri Dec 13, 2024, 01:31 AM
Dec 13

So terribly sorry for accusing you of citing the NYT.

Another poster in this thread linked to a DU thread that was based on an NYT article. I responded to that and you responded to my post. Mea maxima culpa for wrongly thinking that you would rely on the NYT.

As for the thousands or hundreds of thousands, if you read carefully, I was referring to the insurance company employees about whom you are concerned. I'm sure there are thousands of them right now, let alone over the centuries, and I'd be startled if there were not hundreds of thousands. But, as to the latter, I could be overestimating it.

I'm sorry that this source is not a podcast, as you seem to be fixated on getting information from them, but here's a reasonably reliable website that says that the current number of employees in the life, health, and medical industries is about 910,000, which, I submit, qualifies as both thousands and hundreds of thousands. Those are the people who you claim are at risk.

I'm pretty sure that there are fewer than 700,000 of 900,000 employees in the life insurance biz, so I'm confident that "hundreds of thousands" is an apt characterization of the number of threatened health insurance workers.

H2O Man

(75,858 posts)
25. Right.
Fri Dec 13, 2024, 02:01 AM
Dec 13

That's a line I've seen a couple times here recently, on conversations about this case.

I view the case and response in the context of class warfare, rather than politics.

Kaleva

(38,674 posts)
5. How about the shareholders?
Fri Dec 13, 2024, 12:48 AM
Dec 13

The people who want maximum profits on their investments?

PeaceWave

(1,208 posts)
11. Better news would be headhunters getting jobs for some of the soon to be laid off UHC workers.
Fri Dec 13, 2024, 01:00 AM
Dec 13

Silent Type

(7,483 posts)
18. Maybe. I think issue might wake them up and correct things. Plus, for time being
Fri Dec 13, 2024, 01:11 AM
Dec 13

they’ve gotten their business for next six months at least.

I think they need to come out strong with some real changes. At least I hope so. Because we are stuck with them until Congress gets off its rear.

Also, I saw a November notice that CMS is going to analyze denials for Med Adv and ACA plans.

Think. Again.

(19,517 posts)
3. Oh man, what did I miss?
Fri Dec 13, 2024, 12:44 AM
Dec 13

I know people are upset with health insurance decision-makers, but have people started speaking about health insurance workers now too?

LeftInTX

(31,003 posts)
35. A woman was arrested and charged after threatening someone on the phone.
Fri Dec 13, 2024, 02:51 AM
Dec 13

She will probably have her charges dropped.

dpibel

(3,450 posts)
9. Name one
Fri Dec 13, 2024, 12:55 AM
Dec 13

Oh...that's right. Can't do callouts. So convenient.

But hyperbole is good for some, impermissible for others. Right?

H2O Man

(75,858 posts)
24. I haven't seen that.
Fri Dec 13, 2024, 01:56 AM
Dec 13

But it is possible I missed it. I'd think that's something the maga cult would be advocating, not Democrats.

intheflow

(29,099 posts)
38. I'm not saying he should be, but
Fri Dec 13, 2024, 12:03 PM
Dec 13

I'm 100% sure he'd be a better pick than RFK, Jr.


, sorta.

Scrivener7

(53,360 posts)
26. Contrary to what some people believe, school children are NOT your enemy.
Fri Dec 13, 2024, 02:12 AM
Dec 13

Nor should they be working in conditions where they are afraid.

And yet school children face the fear of gun violence every day for decades.

Gun killings are nothing new, and nothing has ever been done to reduce that problem. School children and staff have been living with this fear for decades.

So if claims adjusters are the new group who are targetted, that's sad, but my attitude as a person who worked in schools is, "Welcome to this very sad club, and good luck with that."

And if you're a gunner, a lot of this is on you. You and your gunner friends should do something about it. Because your group might be next.

angrychair

(9,938 posts)
28. I blame health insurance companies
Fri Dec 13, 2024, 02:20 AM
Dec 13

Which includes every single employee from the janitor to the CEO.
Guess what? When they were arresting people that worked at the concentration camps, it didn't matter if you were a just a guard or a secretary, you still participated in the murder of millions.

I don't see it any different here. You work for an organization that refused to pay for the care of my child. It wasn't the CEO I was talking with but customer service person or whoever they were that told me the claim was denied and that was never going to change.
They don't get absolved from guilt just because they are a low level worker. They still directly benefit from that system.

Think. Again.

(19,517 posts)
32. I disagree...
Fri Dec 13, 2024, 02:41 AM
Dec 13

Not a lot of people are in a position to pick and choose who they will work for depending on the details of that company's unpublished policies.

angrychair

(9,938 posts)
39. Who you work for matters
Fri Dec 13, 2024, 01:13 PM
Dec 13

It's a choice.
I worked for a defense contractor for several years and it always ate at me a little. I worked at a place that built shit that killed people.
So I changed my circumstances.
I went to work for state government. I worked in wildfire suppression for 10 years and now work for my state EPA. In a blue state obviously.
My work helps people. It helps improve and protect the world we live in. My role is small but it's for the greater good. It was truly redeeming for me. These people are choosing to harm others and rationalize it as "just the job". Fuck that.
Their job harms and even kills people. People that could otherwise live happy and productive lives if they just had access to the healthcare they needed.

angrychair

(9,938 posts)
46. You think it was easy
Fri Dec 13, 2024, 02:43 PM
Dec 13

I spent the first two years of my adult life homeless and eating out of a dumpster.
Before I got married, I moved to a completely new place, barely a thing to my name, I had 6 months to find a place for my new spouse to live. I worked three jobs, no car, I walked or took public transportation everywhere. My work day began at 4am and ended at 1am the next day. I walked so much I was pulling bloody socks off my feet almost every night. I walked so much my shoes literally came apart one night walking home.
Fast forward a little more and I left that defense contractor to move to a state I had never been to before and knew no one that lived there.
Month after I started working there I went to my first wildfire. Within a couple years I was driving forest roads and looking at fire in every direction. I was in way over my head and way out of my comfort zone. But I made it work and I got very good at what I do.

So don't tell me what choices people have. I know exactly how hard it is. Because I've made those choices.
Working for a soul-sucking murder machine is a choice. No one is forcing anybody to work there.

Think. Again.

(19,517 posts)
47. I'm glad you were able to leave the defense contractor job for something...
Fri Dec 13, 2024, 02:59 PM
Dec 13

...more in line with your principles.

Most people never get an opportunity like that.

sarisataka

(21,312 posts)
45. I have read here posts
Fri Dec 13, 2024, 02:38 PM
Dec 13

equating workers at insurance companies with concentration camp guards. There have been implicit, and explicit, calls for more killing.

Somedays I wonder if we have truly lost.

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