Monday, 24 November 2014
Malcolm MacDougall is dead, but he left us a really important message before he died.
Just five days before he died of prostate cancer, Malcolm MacDougall, a speechwriter and creative director, wrote about the ordeal he was being put through by his insurance company, Health Republic [of New York]/MagnaCare.
MacDougall's tale, if true, is another piece of evidence that shows that even with the significant improvements of Obamacare, our health-care system is still broken because for-profit health insurance companies are at the core of it, and they will always, always put profits ahead of people.
For five months, MacDougall writes, he repeatedly had payments denied by Health Republic [of New York]/MagnaCare for his medical bills.
Every time he went to a doctor or cancer specialist, MacDougall says he made sure that they were covered under Health Republic [of New York]/MagnaCare. He made sure that they were considered "in-network," meaning that they took his plan.
MacDougall even got letters from the insurance company saying that specific treatments "meet criteria and have been certified," only to find out later, he writes, that they weren't covered and that he was out-of-pocket thousands of dollars.