How often do you pursue an issue not because of the money you save, but because at the end of the day your decision to dig deeper has more to do with principle?
These past few weeks it seems there have been quite a few issues Chris and I have run into where we have to stay adamantly persistent to get to the bottom of an issue due to the principle behind the situation. We always ask ourselves, will fighting this potentially help someone else in the future? If we resolve this, could it mean that maybe what happened to us will not happen to someone else?
Often I think individuals just want to find the path of least resistance, yet that can be the easy way out. The harder, more involved, and sometimes frustrating path is to hold companies and individuals accountable for the mess they sometimes make. I will give you an example. Our company covers one preventative exam per year (per individual covered). It is free. This year Chris went to a different location for his check up. It was one of those quick places, that you just walk in. Quick and easy. Or so he thought.
After the specific provider forced him to pay his co-pay, he remembered that his preventative exam was free. Phone call after phone call to our insurance provider and the medical care provider to hopefully resolve the issue, what he found out was that while this medical provider was “in-network,” yet they were also listed as an “emergency care” provider. The contract between our insurance company and this medical care provider was that copays only apply for non emergency care providers, yet this is not disclosed to us. Based on that, and the contract they had with our company, we were required to pay the copay. Obviously a loophole.
After many hours and phone calls later it is finally resolved. We received a refund of our copay, after our company got involved with our complaint. While this was for a small amount of money, what if it was for $20,000? Does the amount really matter? Is it more about principle? $1 or $100, or $1,000? We should hold others accountable in hopes that we make life easier for individuals in the future.
What do you think?