• 65 Posts
Joined 1 year ago
Cake day: June 15th, 2023

  • This would be of limited use for many people. Carriers lock people in by selling lots of phones that are missing frequency bands and cannot be used on their competitor’s networks. For instance, many of TMO’s phones cannot be used on AT&T and Verizon’s networks. My Oneplus 9Pro is a great phone, but if I wanted to switch to Spectrum (on Verizon’s network) or AT&T I would be forced to buy a new phone.

    Some phones like the Iphone and Pixels are compatible with every U.S. network, but plenty of others are not.

  • The worst of the medical centers that knowingly overcharged me was USC Keck in L.A. They completely ignored calls, emails, faxes and certified letters for nearly a year - never once responding to anything. The scumbags actually sent my account to collections despite my having a zero balance because they flatly refused to credit my overpayments. I’ve learned to refuse payment of any medical bill before making absolutely sure I owe the company what they are billing, and that can take months.

    The thing that amazes me with all of these companies is they expect you and I to be right on top of our accounts, respond to letters and calls, and pay their bills within 30 days. This despite the fact they don’t give a fuck about doing the same. My attitude has become the same as theirs: “fuck 'em, let them wait”. I get sternly worded bills with red “Past Due” printed on them every month, ignore them completely and pay when I’m ready. There’s been no downside.

  • Doesn’t matter, it’s all of them.

    It’s the majority of them, but there are exceptions. I switched to Blue Shield (not Blue Cross or one of the combined companies in some states) and had almost zero problems. They paid my claims accurately the vast majority of the time and fixed the occasional problem with relatively little fuss. The Blue Shield reps also knew their stuff and I never once had to explain my policy to them.

    Health Net is deliberately designed from the bottom up to refuse legitimate claims and to fight tooth and nail when customers demand they follow their own contract. IMO Health Net should be shut down.

    …my wife basically made this her daytime job calling about the bills and learning about how billing and coding works.

    I had to do the same, despite recovering from surgery. To make matters worse, after I hit the maximum out of pocket amount the medical centers continued to send bills showing I owed a balance. It took nearly a year and repeated escalation to their executive and legal departments to get them to provide refunds. Calls, faxes and certified letters were completely ignored.

    Corporate America has become quasi-legal and well-funded organized crime.

  • Name and shame - it does absolutely no good to post your experience without the insurance company name.

    Health Net pulled constant bullshit with me. The company regularly refused payment on claims, saying they weren’t covered after previously paying for the same service under the plan. Health Net even went so far to refuse payment on a claim when they had provided prior approval for the appointment in writing. They would refuse payment on things that were clearly covered and I had to read them the policy to even get them to look at the denial. Health Net literally trashed prior authorization requests my doctor sent in and it took 4 months and personally faxing the request myself to get them to admit they were throwing the faxes away. The list goes on and on.

    After major surgery I often spent 10+ hours per week on the phone with them because Health Net would deny so many claims. Getting rid of that crappy insurance company was a major relief.

  • It’s also important to remember that Microsoft has no monetary incentive to force people to use Windows Recall.

    With that in mind, there would be no reason for Microsoft to automatically enable Windows Recall in an update down the line. If it does happen, the user will be able to instantly tell thanks to that that visual indicator and turn it off again.

    This article is nothing but propaganda. There is huge monetary incentive to force people to use Windows Recall and collect their data, and Microsoft routinely uses Windows Update to enable data collection. They began that practice years ago on Windows 7. It’s a ridiculously simple matter for MS to disable the visual indicator and force This Week’s Plan on their users to monetize their data.

    Windows Central pretends to be critical of plans to enable a feature that can be made into malware by Microsoft in a couple of minutes, but then back peddles and says it can’t be done (utter BS) and if it could be, it wouldn’t be that bad.

  • Medicare Advantage is a huge scam created during Dubya’s term to turn Medicare into a profit source for insurance companies. It’s sold by sales reps that say they “don’t have any reason to push it over Medigap plans”, but the truth is the commissions paid are far higher for an Advantage plan than for a Medigap plan. Those commissions can continue for decades and mean hundreds of thousands of dollars more income for those sales reps.

    Those sales reps also routinely tell people they can switch to a Medigap plan if they aren’t satisfied with an Advantage plan but neglect to mention that switching is only possible (for most people) for a few months after becoming eligible for Medicare. Once those months are up nearly everyone is stuck with an Advantage plan for the rest of their lives.

    Advantage plans look good at first because if care is not needed, monthly costs can be much lower than for a Medigap plan, but nearly everyone needs more care as they age. When that care is needed costs of an Advantage plan can far exceed that of a Medigap plan. Once stuck with an Advantage plan, subscribers get to deal with companies that make extra profit off of denying care. Insurance companies consistently do that even if they’re breaking the law because the profits far exceed the penalties.

    If you or are your parent are going to go on Medicare, be very careful before choosing an Advantage plan. Make sure you know exactly what you’re getting into before signing on the dotted line.