Ungavumeli uCigna abaleke ngokubulala

Phumla ngoxolo, Natalia.

Ukuba awuzange uvalwe izibonelelo, ujije kwindawo yokuhlala i-inshurensi, okanye uve umntu onayo- ungumntu onethamsanqa! Umzi mveliso weinshurensi yenye yezona zinengeniso eMelika. Izibalo zilula, kokukhona beyeka abantu ukuba bafe-ngcono inzuzo.

Ngaba singakutshintsha oku nge I-Intanethi kunye nebhlogosphere? Ngaba singangoko sibambe iinjini zokukhangela ezinemiyalezo ye IiCigna Sucks kwaye wenze umahluko? Babanga ukuba bakushishino lokukhathalela. Ngaba yinyaniso leyo? Ngaba inkathalo ayibizi mali ingaphezulu kunokungakhathali? Ndiyakholelwa ukuba oogqirha bayakhathala, kodwa iinkampani ze-Inshurensi zinezikhuthazo ezichaseneyo.

Kwileta ye-11 kaDisemba, oogqirha abane babhenela kwi-inshurensi ukuba baphinde baqwalasele. Baye bathi abaguli abakwimeko efanayo abafumana ukufakelwa banenyanga ezisithandathu zokuphila malunga neepesenti ezingama-65.

UCigna uthe yayiluvavanyo kwaye ayigutyungelwanga ngumgaqo-nkqubo wabo.

Natalia Sarkisyan ngoku ubhubhile emva kweminyaka emithathu yokulwa ne-leukemia kunye nokulahlwa ukufakelwa okufunekayo kwinkampani yakhe ye-Inshurensi, uCigna.

Le ayisiyonto imfutshane kunqanaba lokuqala lokubulala emehlweni am. Umqeshi olahlekelwa ngumqeshwa ngenxa yeemeko zokusebenza ezingakhuselekanga angahlawuliswa ngokubulala okanye ngokufa ngokungafanelekanga, kutheni iNkampani ye-Inshurensi ingenakho? UCigna khange ayityeshele le meko, bayihlalutya kwaye benza ukhetho olusebenzayo lokushiya isigulana ukuba sife.

Ezi ndaba zombini zinomsindo kwaye ziyandoyikisa. Ukuba unesitokhwe kwiCigna okanye nakwiNgxowa-mali eyiMutual eneCigna kumxube, ndingakubongoza ukuba ungayixhasi le nkampani. Lixesha lokuba iinkampani zeinshurensi ziyeke ukufaka iipokotho zazo ngegazi labo bantu bazihlawulayo.

Okungakumbi kumzabalazo kaNataliine:

  1. UNataline uyadlula, uneentloni kuCigna
  2. UCigna ubulala uNataline
  3. RIP, uNataliine
  4. UNataline uswelekile

Iqela elilawulayo leCIGNA- ulala njani ebusuku ?!

  • H. Edward HanwayUSihlalo kunye neGosa eliyiNtloko lesiGqeba, iCIGNA Corporation
  • UMichael W. Bell, Sekela Mongameli oLawulayo neGosa eliyiNtloko lezeziMali, kwiCIGNA Corporation
  • UDavid M. Cordani, Mongameli, iCIGNA HealthCare
  • UPaul E. Hartley, Mongameli, CIGNA International
  • UJohn M. Murabito, Usekela Mongameli, uLawulo lwaBasebenzi kunye neeNkonzo, ICIGNA Corporation
  • UCarol Ann Petren, Usekela-Mongameli oLawulayo kunye noMcebisi Jikelele, iCIGNA Corporation
  • UKaren S. Rohan, Mongameli, I-Inshurensi yeQela le-CIGNA kunye noMongameli, i-CIGNA yamazinyo kunye nokhathalelo lombono
  • UMichael D. Woeller, Sekela Mongameli oLawulayo kunye neGosa loLwazi eliyiNtloko, iCIGNA Corporation

24 Comments

  1. 1
    • 2
      • 3

        UDoug,

        Ewe kuyothusa, kodwa kuyinyani ixesha elide. Esi siganeko sonke siyamangalisa: Abanye abantu kufuneka bafe ngenxa yokuba ilungu lomnikeli alifumaneki. Apha kuyacaca ukuba sasinetyala apho yayikhona enye, kwaye engalifumani.

        Okanye kunokwenzeka, unokuba nayo, kodwa ke usapho lonke kusenokwenzeka ukuba luthengise iipensile esitratweni emva kokuba izixhobo zabo zitshe zaphela. Yiyo loo nto babecinga ukuba bane-inshurensi. Ngokuqinisekileyo kukho into engalunganga ngalo mfanekiso…

        • 4

          Molo Bob!

          Kuhle ukukubona apha kwaye ndiyathemba ukuba uqhuba kakuhle.

          Beka kakuhle.

          Ndiyathemba ukuba singasebenzisa uxinzelelo oluyimfuneko kwindlu yowiso-mthetho yethu ukuba sishiye inkathalo yezigulana apho kufanelekileyo- kugqirha hayi kwinkampani yeinshurensi.

          Doug

  2. 5

    Ingxaki kukuba iinkampani zeinshurensi yezempilo 'eyona nto ixhomekeke kukungahlawuli zibonelelo. Le yinto endadibana nayo xa ndizama ukufumana imvume kunyango lonyana wam. Wayenemvume yeZyrtec-D, eyayiyinyango engeyiyo eyokwenyani ngo-2004 xa kwaqala idabi. Andizange. Sobabini sanikwa amayeza afanayo e-ADHD. Okwam kwamkelwe; yakhe wayengekho. Khange ivunywe kude kube ngulo nyaka, xa iZyrtec-D yavunywa ukuthengiswa kwe-OTC? Ngengozi? Uyagqiba.

    Ibali lethu lincinci xa kuthelekiswa nale, kodwa umgaqo usabambe. Babegqume ngokufakelwa umongo wethambo kunye nokhathalelo lwengqondo emva koko ezingqondweni zabo, bakhuphe uxanduva lwabo lokuvuma naluphi na unyango olongezelelekileyo olubiza le ntombazana. Ndiyathandabuza ukuba isicelo siqale safikelela kumntu owaziyo (jonga amanqaku am malunga nogqirha wamazinyo evuma amayeza ezigulo zengqondo, umzekelo), ke ngoku kwakulula ukuthi hayi. Kwanasemva kokubhena koogqirha abane, bayaphika.

    UMichael Moore unelungelo elikhulu: Ukubeka izigqibo zonyango kuye nabani na ongenguye ugqirha wesigulana akulunganga. Kwaye kwabo babizwa ngokuba 'ngoogqirha' eCigna kufuneka ndibuze ukuba basidibanisa njani isifungo sabo se-Hippocratic kunye nokwala abasayina.

  3. 7

    Ngelishwa uninzi lwethu abantu baseMelika bahamba ngamafutha obomi, abazizidenge kwaye bonwabile. Sifunda ngeentlekele ezinje kwaye sicinga ukuba ayizukwenzeka kum okanye kusapho lwam. Sizama ukuthobela phantsi ukubaluleka kwayo ngeengcinga ezinje "wawa ngeentanda" okanye "ngewayeswelekile". Imithombo yeendaba yethu iyasilela ukuphanda ngokufanelekileyo kwaye inike ingxelo ngezinto ezimbi nezolwaphulo-mthetho ziinkampani zeinshurensi kuba uninzi lweinshurensi lukwahlawula nabaxhasi. Sineentatheli ezinje ngoJohn Stossel villefying ifilimu kaMichael Moores uSicko kwiinyanga nje ezimbalwa ngaphambi koKufa kukaNatal.

    Vuka eMelika

    Kude kube sonke sibe nomsindo ngokwaneleyo kwaye senze umnxeba, sibhale iileta kwaye senze umsindo wethu waziwe, ezi zinto ziya kuqhubeka. Yitsho ngepeni yakho, umlomo wakho kunye nencwadi yakho yepokotho.
    Nxibelelana nendibano yakho. Thumela i-imeyile kwiintatheli zeendaba ezingeyonyani. Nxibelelana kwaye usoyikise ngokudibanisa iinkampani ezibhengeza kwezi nkqubo zibonisa.

  4. 8

    Yonke le nto iphakamisa imibuzo emininzi emva koko iphendule kum.

    Ukusuka kwinto endiyifundileyo, ukuba afumene ukufakelwa, UNOKUPHILA iinyanga ezintandathu. Ngokuqinisekileyo ngekhe aphile ixesha elide kunoko. Wayenesifo esinganyangekiyo.

    Ndinovelwano ngentsapho. Kodwa ayinqunyulwanga kwaye yomile njengoko ezinye iingxelo zeendaba zifuna ukuyenza. Ukuba ibingumbandela wokuba afumane olu nyango kwaye aphile iminyaka engaphezulu kwama-20… ayisiyiyo loo nto ayifunayo. Kodwa ukufumana olu khuphelo, bekuya kufuna ukuba afumane iyeza lokuthintela ukwaliwa… ebelinokuthatha amajoni akhe omzimba asele ebuthathaka kwaye enze mandundu nangakumbi… nto leyo ibinokwenza ukuba umhlaza usasazeke ngokukhawuleza. KANYE umhlaza wawusisifo sokuqala.

    Kwaye ndiza kulwa idabi lam neenkampani zeinshurensi yezempilo ngoku. Ke ndiyazi ukuba banokuba phantsi ngokungafanelekanga. Kwaye ibango lam likhulu nje leedola… akukho ndawo kufutshane namanani amathandathu eli bango belijikeleza.

    • 9

      Molo ck,

      Ndiqinisekile ukuba zininzi iziqwenga ezingekhoyo, kodwa eyona nto ibisenzeka kum kukuba abanye oogqirha nabongikazi bacela unyango kwaye bavotelwa yinkampani yeinshurensi. Kufuneka siqiniseke ukuba AKUKHO kwenzeke.

      Ngethamsanqa ngemfazwe yakho! Ndingomnye wabaninzi 'abangaqinisekiswanga' kweli lizwe - ndityebe kakhulu kwaye andinakukufumana ngokwam. (Abantwana bam bahlanganiswe kwimigaqo-nkqubo yabo).

      Doug

  5. 10

    Ndiyabathemba oogqirha malunga nokuba ndizithemba njani iinkampani zeinshurensi.

    Ngaba awungekhe ucele amandla okwenza into eya kugcina iipokotho zakho ngemithwalo yemali?

    Kungenxa yoko le nto unokufaka isibheno kumlamli weqela lesithathu ngezigqibo ezaliwe. Ke umntu:
    A. Ayichatshazelwa ziimvakalelo zosapho.
    B.Awaphenjelelwa ngumgca wabo ophantsi (uya kwi-inshurensi kunye noogqirha)

    Ngaba unokwenza isigqibo sokugqibela.

    Ayisiyongxaki yokuba oogqirha abaninzi kangaka babe ngoosozigidi ngokwabo.

    Ke ngaphandle kwesihloko, ungathi uxhasa ukhathalelo lwempilo kwindalo iphela?

    • 11

      Ndonwabe ngokwazi oogqirha abambalwa kwaye bekubuhlungu ukubona indlela iinkampani zeinshurensi ezibachaphazele ngayo. Omnye wabahlobo bam wanyanzelwa ukuba 'achithe ixesha elincinci' kwisigulana ngasinye ukuphucula 'imveliso' yakhe. Ndimbonile echitha i-1/3 yomvuzo wakhe kwi-inshurensi yokungasebenzi gwenxa (elinye ishishini elinenzuzo).

      Kwakufuneka ajoyine iqela likaGqirha kunokuba enze into yakhe kuba kwakungekho ndlela wayenokugcina ngayo iphepha leinshurensi. Le yayiyintliziyo eyaphukileyo ngenxa yokuba wayenguGqirha omangalisayo kwaye wayengakulungelanga ukuhanjiswa kulondolozo lwezempilo.

      Ndicinga ukuba uyakufumanisa ukuba uninzi loogqirha alungaboosozigidigidi kwaye nangakumbi bayalushiya ukhathalelo lwezigulana ngenxa yayo yonke into abayifunayo. Kububudenge.

      Re: Ukhathalelo lweMpilo lweNdalo iphela

      Ndihlala eCanada iminyaka emi-6 kwaye ngenene ndiyaluxhasa ukhathalelo lwempilo kwindalo iphela (kakhulu kwinto eyoyikisayo yokukhuliswa kwam). Isizathu silula- ndiyakholelwa ukuba amayeza ngumba wezentlalo, ayisiyoshishini… nangona e-US siyenze yashishina.

      ICanada inemiceli mngeni yayo, ndiya kuvuma. Amabali oyikisayo esiweva apha ambalwa kwaye aqhubekile phakathi, nangona kunjalo.

      Ndiyakholelwa ukuba kukho inzuzo enkulu yeshishini kukhathalelo lwempilo kwindalo iphela-abantu aboyiki ukuqala ishishini labo xa kungafuneki ukuba bakhathazeke ngononophelo lwempilo kwiintsapho zabo. Abantu abasoyiki ukuyeka imisebenzi emibi, nokuba, ekhokelela ekuphuculweni kwemeko zokusebenza.

      Ngokwenene ndicinga ukuba linyathelo elinyukayo. Emva kwayo yonke loo nto, ukuba ungahlawula i-CEO ye-Inshurensi eyi- $ 28 yezigidi ngonyaka, kukho ithuba lokuhlengahlengisa, akunjalo?

  6. 12

    Hayi. Ukuba ubona unika iipesenti ezingama-33 zengeniso yakho kurhulumente kwi-inshurensi… qhubela phambili. Kodwa njengoko imi ngoku… Ndibhatala malunga ne- $ 250 / inyanga nge-inshurensi yezonyango (elungileyo kakhulu). Nangona umqeshi wam ehlawula ngaphezulu. Kodwa leyo yinxalenye yokuqesha abaphuhlisi.

  7. 14

    ck -

    Ngokumalunga nezimvo zakho zokuba uNataline ebezakuba neenyanga ezintandathu NGOKUFAKELWA - ayichanekanga. Ngaphandle kokufakelwa, babemnike iinyanga ezintandathu ngaphandle. Ukufakelwa komongo wethambo kuphumelele ukuphelisa i-leukemia kodwa iindleko yayikukulimala kwesibindi okungenakulungiswa. Ukuba wayefumene ukufakelwa, wayenethemba lobomi obupheleleyo. Ngaphandle kwayo, wayeza kutshabalala.

    Inkqubo yaphuke ngokupheleleyo xa oogqirha bengasenako ukuba ngoogqirha. Ukuba awubathembi, mhlawumbi kungenxa yokuba kuye kwafuneka basebenzise amayeza okuzikhusela apho banelisa khona i-inshurensi, isigulana kwaye bahamba emgceni wokubeka emngciphekweni iingozi ze-inshurensi.

    Ukulungisa le nkqubo kuya kuthetha ukunciphisa umda wokungaziphathi kakuhle kwamabhaso kunye nezizathu zamatyala, ukuthintela inzuzo ye-inshurensi kunye nokubeka iyeza ezandleni zabantu abaye bahlawula ngaphezulu kwe- $ 100K kwimfundo yabo njengogqirha. Kuya kufuneka ulufundele uthotho lukaGqirha Kirschenbaum koGqirha, iMali kunye noNyango ngendlela eyahlukileyo. Qala apha.

  8. 15

    Yonke into endiyifundileyo ibonakala ngathi ibonakalisa ukufakelwa isibindi yayingu-65% ithuba lokuphila ezinye iinyanga ezintandathu.

    Ngoku njengoko iposti yam yokuqala isitsho, ukuba oku ngekhe kwenze ubomi benye iminyaka engama-20 kunokwenzeka… konke kuyo. Kodwa ukuba zinyanga ezintandathu… andizukutsiba ndinyuke ndithathe isigqibo. Kwaye ucinga ukuba umlamli weqela lesithathu sisisombululo esifanelekileyo.

    Kwaye ngelixa ingumba wabo, andicingi ukuba ulungiso kukhathalelo lwempilo kwindalo iphela, oko kuhambisa umthwalo kurhulumente wethu kwaye bayanya.

    Ukulungiswa kukuba, njengoko ubhalisile ku… ukunciphisa umda kulwaphulo-mthetho kunye neminye imimiselo. Kodwa ngokuqinisekileyo andizukubeka ulawulo lweinshurensi yezempilo kwizinto ezithandwa nguHillary Clinton. Ngeliphandle, ndinemiba eyoneleyo nalapho ichithwa khona imali yam yerhafu… ayiyidingi ukuhlawulela 'imiba yezempilo' efana nemisebenzi yempumlo.

  9. 16

    CK -

    Ngokwenqaku leendaba elidityanisiweyo http://ap.google.com/article/ALeqM5hFp8DsNC_gJwb9q72kNfDiZCioSwD8TM2SAO1, oogqirha base-UCLA bacatshulwe besithi “… izigulana ezikwiimeko ezifana nezo zikaNataliine otywelweyo zisinda iinyanga ezintandathu malunga neepesenti ezingama-65.”

    Into endiyiqondayo ukuba kuthetha ukuba uza kuba nepesenti ezingama-65 zokuphila kwiinyanga ezi-6 zokuqala, kwaye hayi, njengoko sele uqaphele, ukuba uyakufa kwiinyanga ezi-6. Wayenesifo esinganyangekiyo kuba isibindi sasilela ngenxa yonyango lwegazi. Ukuqonda kwam kukuba ukuba uyenzile yaya kwiinyanga ezi-6, ngewayenalo lonke ithuba lokuyenza iminyaka eliqela.

    Kubonakala ngokunyanisekileyo kum kwizithuba zakho ukuba uyakholelwa ukuba ukhathalelo lwempilo olunokwenza okulungileyo kufuneka lufumaneke kuphela kwabo banakho ukulufumana, kwaye wonke umntu ulunge ngakumbi xa eswelekile. Ndiyavuma ngamanqaku akho amaninzi kunye neengcebiso; I think third-party arbitration is a good idea, ingakumbi ukuba kuyakhawuleza, kodwa yakho aziwe uluvo of “ukuze ngokunjalo makasweleke, wayeza kuba kunjalo” uza kude kunokuba kunokuba nomoya. Inika umbono wokuba unomdla kuwe kwaye akakho omnye umntu.

  10. 17

    Umphangi,
    Ndifuna wonke umntu aphile kwaye abe nokufikelela kwi-inshurensi yezempilo, nangona kunjalo andicingi ukuba yindawo karhulumente yokubonelela ngayo.

    Kungcono ndibone urhulumente ongaphantsi kakhulu (okt, thabatha i-IRS), hayi ngaphezulu kwayo.

    Ucinga ukuba benza njani ootata bethu abasungula? Impendulo kukwenza umthwalo koogqirha ungaphantsi (okt iisuti umthetho) kwaye ungawususi loo mthwalo kubo bonke abahlawuli berhafu. Urhulumente wethu uzibonakalise engafanelekanga kwaye akufuneki athembeke kubomi bethu bezonyango ngokunjalo. Ngabo abaphetheyo, iimeko ezinje ziya kuba yinto eqhelekileyo, hayi eyahlukileyo. Jonga nje kwizibalo zokusilela kwentliziyo kunye neqondo lokusinda kumhlaza kwabo banomhlaza. Iyeza labucala lisebenza ngakumbi.

    Kodwa njengakwimeko esikuyo, mandiphinde ndiyitsho .. ukuba uqikelelo lwalunokubakho kubomi obude emva kokufakelwa ... ke kuko konke oko. Kodwa ndiyifundile ingxelo oyikhombe ngendlela engeyiyo.

    Ndingathanda ukubona okubhaliweyo kakuhle, inqaku lesitayile sokwenyani kulo.

    Esi ayisosihloko esilula kwaye akufuneki ukuba sibe sesinye esinempikiswano yeemvakalelo. Iinyani nje m'am.

    • 18

      Iinyani zilula, uCigna akafuni ukuchitha ukunyanga ukugula, kwa-le Cigna Glendale ikwenzile oku kolu Sapho, balwa ngazo zonke iindlela ababenakho, kuphela ukufumanisa iiarhente zoRhulumente ukuba aba bantu bahlukumeze umthengi, kwaye akukho nto yenziwe. Kugqunyiwe.

      ICongressman evela eValencia, eCalifornia ibhala

      ICongressman ibhale: Kwileta yomhla we-30 kaMeyi ka-1996 isiya kwiSebe leMibutho. Ikopi yeleta inikwe uJo Joshua Godfrey.

      Mokhomishinala othandekayo,
      Ndibhalela egameni lam uJosephine Joshua Godfrey oye wafumana ubunzima obunzima kwi-HMO yaseCalifornia enezonyango.

      UNksk. Godfrey uphelise i-CIGNA ayiphumelelanga ukuxilonga nokunyanga umhlaza wemiphunga ukusukela ngo-Matshi 1993 ukuya ku-Agasti 1994. Kuyabonakala ukuba emva konyaka oogqirha abangengabo abakwa-Cigna bachonga ngokulula ithumba le-Carcinoid emiphungeni yakhe yasekhohlo kwaye baxelela uNksk. Ngaphandle kokuphika okuphindaphindiweyo kobukho bamathumba kwi-CIGNA, ithumba ekugqibeleni lasuswa e-ST. Josephs eBurbank California. Ingxelo yesifo esivele emva kokuhlinzwa ithi eli thumba “likhule ngokupheleleyo… likhule ngokupheleleyo.

      Ngelixa kuvavanywa yi-GIGNA Nksk Godfrey ucele kaninzi ukuba athunyelwe kwingcali kunyango. Ngezizathu ezithile ezingachazekiyo i-GIGNA yenqabile ukudibana nengcali kunyango olufanelekileyo. I-CIGNA ikwalile ukukhupha iirekhodi zonyango zikaNksk. Kuphela emva kwesicelo esikhulu apho iirekhodi zakhutshwa. Nangona kunjalo, UNksk Godfrey ukholelwa ukuze akhusele i-CIGNA kulwaphulo-mthetho amaxwebhu atshintshe ngolunya.

      Umbuso waseCalifornia unoxanduva lokukhusela abathengi ababhalise kwi-HMOS. Urhulumente kufuneka afundise kwaye azise abathengi nge-HMOS, kwaye ngaphezulu kwe-12 yezigidi zabantu baseCalifornia kwi-HMOS ukufundisa nokwazisa abathengi malunga nomgangatho kunye nokufikelela kukhathalelo lwempilo yinto ebalulekileyo. Ngelishwa, ukuba amava kaNksk. Godfreys asibonisi ukuba ziphathwa njani iimfuno zabathengi yi-HMOS, kufuneka siphinde sihlolisise inkqubo yokhathalelo elawulwayo. ICongress sele iqalile ukuphanda i-HMOS kunye nomgangatho wonyango abalunikezelayo. Izigulana ezininzi zikholelwa ukuba i-HMOS ihlala ikhanyela ukhathalelo kunye nolwazi kwizigulana ukuze kuncitshiswe iindleko. Umgaqo obonakalayo "we-gag Rule" othintela oogqirha ekuboniseni unyango olungafakwanga yi-HMO nalo luyinto exhalabisayo.
      UMmandla wam akunguye kuphela umntu oye wanobunzima ekujonganeni ne-HMO.
      (1) URuth Macinnes waseSan Diego wasweleka xa oogqirha be-HMO basilelayo ukubonelela ngovavanyo lwezonyango ukufumanisa nokunyanga isifo sentliziyo kunye nokuphendula kwizothuko lwe-cardiogenic; -ichongiwe ngaphezulu konyaka. Ndixelelwe ukuba njengaba bantu kukho amawaka abanye abangena kwilizwe lonke ngamabali afanayo.

      Ndihloniphile ukuba i-ofisi yakho iwavavanye la mabango, kwaye iphande ukuba ngaba i-HMOS kaRhulumente ijongwa ngokufanelekileyo kwaye abathengi banikwa ulwazi abaludingayo ukuqinisekisa ukhathalelo lwezonyango olusemgangathweni. Ndiyakholelwa ukuba uNksk. Godfrey uphathwe kakubi kakhulu yinkqubo ekufuneka imkhathalele. Ukuba utyeshelo lutyhilekile ndicela ukuba kuthathwe amanyathelo okunyanzelisa ngokuchasene nabaphetheyo abaphethe kakubi abathengi. Uphando olubanzi luya kunceda ekuqinisekiseni ukuba urhulumente uyaziphumeza izibophelelo zakhe kubasebenzisi abangaphezulu kwezigidi ezili-12 ze-HMO. Nceda uphendule kwi-Diretor yesithili sam, u-Armando E. Araloza kwinqanaba lakho lokuqala lokulwa.
      ISebe leNkampani Phendula
      Los Angeles, CA Phendula »

      UJO JOSHUA U-GODFREY WABELA NABANTU BASEKALIFORNIA KUNYE NESIZWE:
      ISEBE LEMICIMBI YEMICIMBI KWIMIBUZO YABASEBENZI BABASEBENZI
      RE: Ifayile akukho ALPHA
      Mnumzana obekekileyo,
      Ndifumana ileta yakho kaMeyi 30, 1996, efunyenwe nge-4 kaJuni, 1996, malunga nabantu abakhankanywe apha ngasentla kunye nesicwangciso sabo senkonzo yokhathalelo lwempilo, iCigna Healthcare yaseCalifornia.
      ISebe leMibutho (? ISebe?) Lilawula ukhathalelo lwempilo lweCigna kunye nezinye izicwangciso zeenkonzo zokhathalelo lwempilo phantsi koMthetho weSicwangciso soKhathalelo lwezeMpilo eKnox-Keene (iKhowudi yezeMpilo noKhuseleko 1340 et seq.) Kunye nemigaqo yeKomishinala (CCR Icandelo 1300.40 et seq .). ISebe lisithathela ingqalelo isicelo ngasinye (RFA?)? Ii-RFA ezifunyenwe liSebe ziphononongwa kungekuphela ngokubhekisele kwimicimbi ethile (s), kodwa kujongwe nangenxa yeengxaki ezinokubakho. Uphengululo lweRFA yinto ebalulekileyo kwimizamo yolawulo yeSebe.
      Isebe liphengulule okanye lajonga zonke ii-RFA ezingeniswe lusapho lakwaGodfrey. Ityala likaJosephine Godfrey laye laqwalaselwa liCandelo loNyanzeliso leSebe. Olu hlaziyo lubandakanyiwe, kodwa alunamda, kuvavanyo lweerekhodi zonyango ezifanelekileyo, udliwanondlebe nabasebenzi besicwangciso, kunye nengxoxo ebanzi nosapho lukaGodfrey. Ngenxa yolu hlaziyo, iCandelo Lonyanzeliso ligqibe kwelokuba uCigna waziphendula ngokwanelisayo izikhalazo zikaNkosk. Godfrey kwaye waqulunqa iindlela zokusombulula ezi ngxaki.
      Ngokubhekisele ku-RFA kaChristopher Godfrey, uCigna uvumile ukuba (Igama lomntu okhutshiwe) i-RN ifumaneke kubo bobabini Mnu noNkskz. Zombini ezi RFA ngoku zivaliwe. Nangona kunjalo, ulwazi kwezi kunye nazo zonke ii-RFA lufakiwe kummiselo oqhubekayo weSebe wokuqinisekisa ukuthotyelwa kwesicwangciso sempilo noMthetho weKnox-Keene.
      ISebe labelana ngenkxalabo yakho malunga nento ekuthiwa yi-gag? Amagatya kwizivumelwano zababoneleli. Kutshanje iSebe lifune isicwangciso sokucima igatya kwizibhambathiso zalo zababoneleli ezinyanzele umboneleli ukuba abeke isicwangciso kwindawo elungileyo.? Kunxibelelwano lwakutsha nje kubo bonke abantu abanamaphepha-mvume, iSebe lithe: "Ugqirha ngamnye onesivumelwano kunye nolunye uqeqesho kwezempilo kufuneka babenakho ukuthetha ngokunyanisekileyo ngokuchanekileyo malunga nemicimbi enokuthi ichaphazele impilo yomguli kunye nentando yakhe ukukhulisa ubudlelwane bemveli bokuthembana. Ukuzithemba phakathi kwesigulana kunye nononophelo lwempilo.
      Ukuqukumbela, ndinqwenela ukuphinda ndikugxininise ukuzibophelela kweSebe kwizigidi zabantu baseCalifornia ababhalise kwizicwangciso zeenkonzo zononophelo lwempilo. Ukuba unemibuzo eyongezelelweyo, nceda ungathandabuzi ukunxibelelana noMncedisi oKhethekileyo (Igama lasekhohlo),
      UKEITH PAUL BISHOP
      UMkomishinala weeNkampani

  11. 19

    Ndibhale eli bali kubaLawuli bomthetho xa ndandineminyaka eli-14 ubudala, kwaye ndifuna ukwabelana ngalo nawe.

    Ndineminyaka eli-14 ubudala kwaye ndilixhoba lokungaziphathi kakuhle kwezonyango. Ndibhalela iCongress kunye neSenate kuba kufuneka uncede amaxhoba okungaziphathi kakuhle kwezonyango. Bendigula, intloko yam ibuhlungu kwaye umama undise kwagqirha. Ndandisoloko ndiphuma igazi ngeempumlo kwaye ndinentloko ebuhlungu. Ndicinga ukuba oku kuqale ekupheleni kuka-1992 okanye ekuqaleni kuka-1993. Bathe ndilungile, kwaye ndiyakhumbula ukuba omnye ugqirha wayekhohlakele kum nakum; khange afune nokuthetha ngayo. Uthe konke kwakusentloko yam, ukuba ndilungile. I-1993 kunye ne-1994 yayingeyiyo iminyaka elungileyo ebomini bam. Ndandingonwabanga. Umama wayehlala egula, ehlala ebhedini ekhohlela, ehlala esiya kwi-CIGNA efumana amayeza, ehlala ediniwe kakhulu. Umama wam wayengasafani nomnye kwakhona; Intloko yam ibibuhlungu kwaye icimile, kwaye bendidiniwe ukungamkhathazi umama njengoko ndibona indlela agula ngayo. Wayesoloko edandathekile, ehlala ekhala, kwaye ehlala eshukuma kwaye ekhohlela. Ndiza kumngxolisa ukuba avale ebusuku kwaye wasigcina siphaphile sonke, ngoku ndiziva ndimbi.

    NgoFebruwari 1994, ndandixinezelekile, intloko yam ibibuhlungu, kwaye ndithatha iipilisi kwikhabhathi yamayeza, yayingekokokuqala ndenza oku, kodwa umama wayegula khange aqaphele. Qho xa ndithatha ngaphezulu kwaye ngenye imini umama wam wangena ezokundivusa kwaye andizukuvuka, ndandidinwe kakhulu. Umama uthethile, nxiba; siya eCIGNA ngoko nangoko. Ndaya apho kwaye oogqirha beCIGNA bandibona. Bandithumele kwindawo yempilo yengqondo kwaye akukho ndawo kwezi ndawo zimbini ebengayazi nento endiyenzileyo. Umama wandikhapha kwaye ndamxelela into endiyenzileyo. Kamva ngala mini wathi angaphila njani ukuba ndingafa. Umama wam wakhala ngenxa yokudinwa kakhulu wazibeka ityala ngenxa yokuba ebengenzi ngokwaneleyo. Ndenze isithembiso kumama sokungaphindi ndiyenze lento. Umama wabiza i-CIGNA kwaye wacaphuka malunga nendlela abasilele ngayo ukubona ukuba ndizamile ukuzibulala, ndibabuza ukuba bangoogqirha abanjani. Umama wam wakhwaza kakhulu bavuma ukundinika umzimba opheleleyo. Emzimbeni ekuqaleni kuka-Matshi, sikhalaze kakhulu malunga nentloko yam bavumile ukwenza iscan sentloko yam. Oku kwaqhubeka malunga neenyanga ezimbini ezinesiqingatha, iskena esinye emva kwesinye, kwaye ekugqibeleni ugqirha wathi ndifuna ukuhlanjwa kwesono, oko kwakusekupheleni kuka-Meyi. Umama ubuzile ukuba oku kungxamisekile, ngaba bekufuneka kwenziwe kwangoko, ugqirha uphendule ukuba akukhawulezi. Umama uthe siza kuyenza kwiholide zasehlotyeni.

    Ukususela ngoMeyi ukuya ku-Agasti, umama wam wagula kakhulu. Uye kwagqirha bamfaka kwi-6 iiveki zokukhubazeka. Phakathi kuJulayi, ndaphupha ukuba umama wayenomhlaza wemiphunga kwaye wayeza kufa. Umama wacaphuka xa ndisixelela le nto. Ekuqaleni kuka-Agasti, umama wam wandithumela eIreland kangangenyanga enye ukuya kutyelela umakhulu notatomkhulu. Ukubuya kwam eIreland ekupheleni kuka-Agasti, ikhaya lethu lalinomsindo, iiveki ezi-2 i-CIGNA yayingavumi ukunika umama zonke ii-x-ray zimxelela ukuba zilahlekile. Wayesandula ukubafumana kwaye kwabonisa ukuba wayenomhlaza wemiphunga phantse iminyaka emi-2. Umama wahlinzwa kwaye i-20% yemiphunga yakhe yasuswa. Wayenomdlavuza we-carcinoid. Xa umama wayesesibhedlele, ugqirha wotyando uxelele utata wam wesibini ukuba naye akaphilanga. Kwagqitywa ekubeni i-CIGNA yale ukukhupha iirekhodi zikatata wam wesibini. Xa besiya kugqirha ongaphandle, uCIGNA wayemnyanga isifo sombefu; Ngokwenyani unecala eliphambili kakhulu leCOPD kwaye wayenento kumphunga wasekhohlo njengomama wam.

    Sahamba sayokuthatha iirekhodi zalo lonke usapho lwethu. Xa sabona okwam, saza saya kugqirha ongaphandle, emva kokuphuma ngaphandle oogqirha ndiyazi ngoku ukuba yintoni umahluko phakathi kogqirha wokwenene kunye nogqirha weCIGNA, kwaye ndiyathemba ukuba ngenye imini ndiza kukuxelela konke malunga naloo nto. . Ndinengxaki apho ithambo lalitshatyalaliswa khona, apho ithambo lalityhala ngapha komjikelo, kwaye ugqirha wathi iliso lam beliza kukhutshelwa ngaphandle. Ndenziwa utyando eCedar-Sinai. U-1995 akungcono kakhulu ukuba u-1993 njengoko kubonakala ngathi akukho bulungisa kuzo zonke ezi zinto sizenzileyo kwi-CIGNA. Sifuna ukuyitshintsha imithetho ukuze kungabikho mntu uya kuphinda abandezeleke ngolu hlobo. ICIGNA isaphatha gadalala usapho lwethu kude kube namhlanje. Benza umama akhale ngenxa yeeyure kwaye ndiyathemba ukuba uya kundivumela ukuba ndikuxelele konke malunga noku. ICIGNA kufanele ukuba yazi ukuba abazali bam bayasweleka, ndizakuyaphi, kwaye kuzakwenzeka ntoni ngomntakwethu nodadewethu? NdingumMelika, kwaye xa ndikhulile, andifuni ukuhlala apha. Ndifuna ukufudukela kwindawo enabantu abalungileyo nabalungileyo. Ndiza kufudukela eIreland.

    Ngoku ndineminyaka engama-27 ubudala. Nangona kunjalo kulusizi ukuba naluphi na usapho bekufanele ukuba lusokole ngale ndlela, kwaye aba barhwaphilizi kunye nabakhohlisi basinde kwisohlwayo kwi-State of California.

    ENKOSI ICIGNA GLENDALE

  12. 20

    Ubungqina beNdlu yeeNgwevu yeNdlu yeeNdlu zeLizwe laseCalifornia ngoMvulo we-12 kaMeyi, 1997 ngo-2.03PM
    Ndizokwabelana ngamava am nawe. ISebe leeNkampani liyasilela kwimisebenzi yalo yolawulo, kwaye amava osapho lwam ayakubonisa oko. Kwaye amava am okwe-Cigna Healthcare aya kubonisa indlela abaxhatshazwa ngayo abathengi, kunye nendlela iSebe leeNkampani elijonga ngayo.
    Amava am noCigna aqala ngokuphathwa gadalala kwabazali bam, kwaye ke bona baxhaphaza onke amalungu osapho lwam. Xa ndigula ndidinga ugqirha babendithumela nge-aphoyintimenti, kwaye ndandizokuthotywa kuba amaxesha amaninzi ugqirha apho babendithumela khona wayengandilindelanga. Ngenxa yoko uCigna wandithumelela ileta esithi ndingakhetha owam ugqirha kwaye baya kuhlawula unyango. Bakwenze kwaba kanye kwaye emva koko abayihlawulanga inkathalo yezonyango, kwaye ndoyikiswa ziiarhente zokuqokelela ukuba ndizokumangalelwa xa ndingahlawulanga. UCigna ukwathe ukuba ndingakhetha ugqirha endimkhethile kwindawo endihlala kuyo eSanta Barbara, kwaye ayikhange yenzeke le nto. UCigna wandabela indawo yokuhlala eSanta Barbara kodwa xa ndandigula ndifuna ukwenza idinga kwaye ndafowunela ugqirha akazange abuyise iminxeba yam. Xa siqhakamshelana neofisi yoogqirha bathi abaphindanga baphinde basebenze neCigna, kuba uCigna ngekhe enze ukuhanjiswa xa kufuneka iingcali.
    Kunyaka ophelileyo bendifuna ukhathalelo olukhethekileyo, kwaye ngexesha lenkqubo ugqirha wathi ndifuna iBiopsy. Kwafuneka ayeke phakathi kwaye afumane ugunyaziso kwiCIGNA ukuze aqhubeke. Ugqirha wathi ezi nkqubo zimbini zazidibene kwaye kwakungalindelwanga ukuba enze i-MEDICINE ngale ndlela ngaphambili. Emva kwale nkqubo xa ndandikhalaza kwiSebe leeNkampani malunga nale Cigna ndazikhaba izityholo kwaye ndaphendula ngelithi ugqirha wayephazama. Ukusukela ngelo xesha ugqirha weza kwiNdlu yowiso-mthetho eSanta Barbara wathi wenza iBiopsy ngaphandle kwemvume yabo, kwaye ingxelo yam yeso siganeko ichanekile. Ugqirha uthe ndifuna ukulandelelwa rhoqo kwiintsuku ezingama-90 kuba le yayiyimeko yomhlaza ngaphambili. UCigna uthe ukuba ndiyaludinga olu nyango lukhethekileyo kufuneka ndiye kugqirha wokuqinisekisa ukuba ndiyaludinga, kwaye nabo bandinika ugqirha wokuqala eSanta Maria, nditsho nakwindawo enye, nangaphezulu kangangeyure ukusuka kwindawo endihlala kuyo.
    Ndingumfundi ndiya e-UC Santa Barbara, kwaye andina zithuthi. Ayisiyondlela efanelekileyo., Kwaye iSebe leeNkampani endaweni yokundinceda, lalinomntu waseCigna owayenoxanduva lokundiphatha gadalala nokuphazamisa unyango lwam ukuba anditsalele umnxeba kwakhona.

  13. 21

    Emva nje kokuba ndibumbene iminyaka emininzi inkampani yam itshintshele kwi-CIGNA. Kuphela emva kokuba ugqirha wam eye wacela ngokoqobo. Ndaye ndaxelelwa nokuba bayayivuma inkqubo, ngamanye amaxesha bajike bayikhanyele besithi ayigunyaziswanga kwinkcazo yabo, kwaye ke unamathele kwityala. umnxeba ovela kwi-CIGNA tonite ukubona ukuba ndinganomdla na ekubizeni "UMONGO WABO" kwikamva lemiphunga, intliziyo, umqolo, okanye iingxaki zethambo kwixesha elizayo kunokuba ndiye kwi-PCP yam !! Ndabaxelela ukuba andizukukhululeka ukubonwa "emnxebeni" kwaye ndiyabulela nakanjani. Wayekhathazeke kakhulu ekhala ukuba andizukutsiba kwisithembiso.

    Ndiyoyika kakhulu nayiphi na imiba yezonyango ezayo endifuna ukuyisingatha ingakumbi ukuba ndineminyaka engama-7 ubudala, kwaye i-CIGNA ibonakala njengenkampani engakhathaliyo emva kokufunda amagqabantshintshi.Ndingathandaza kuphela ukuba sonke sihlale sisempilweni, kuba i-CIGNA iphume ipeni hayi umonde !!!! Oku kwacaca kum ngeveki enye nje !!!!!!!!!!!

  14. 22

    Ndisebenzela iinqwelomoya ezinkulu ezinecigna njenge-ins yam. ndophuka umqolo emsebenzini, emsebenzini, ndangena ixesha. lo mphathi wehanger undixelela ukuba lo "AKUKHO KULIMA KOMSEBENZI" !!
    Ndiphulukene ne-ins yam "ukukhubazeka ixesha elide" thru cigna. Kulungile, ba - icigna bandithumele kweli henyukazi lonyango lomzimba olwaxelela icigna oko bafuna ukukuva. ke, ndilele ngomqolo ngaphandle koncedo kwaye ndikwintlungu engenamvuzo. Ngubani onempendulo kwaye ukuba kukho nabani na ofuna inombolo yokufowuna afowunele, kuba mna bantu abagqithisa impunzi kwaye kufuneka ndibenamanani okutsalela umnxeba, zonke ezingancedanga kodwa inkwenkwe inayo iinombolo zeefowuni !!
    Ukuvala, ndanga iesile lam kwabo basebenzayo, kwabo bangazenziyo, ndibuhlungu ngentlungu yakho kunye nokuphulukana nobomi

  15. 23

    Umama wam usweleke iminyaka eyi-11 kwaye uCigna yi-inshurensi awayenayo xa wayesesibhedlele ngenxa yomkhuhlane. Emva kwexesha elifutshane waba mandundu xa wayesesibhedlele kodwa endaweni yokuba afumane unyango olungcono satyelelwa linenekazi elalisebenza esibhedlele laxelela mna nomama ukuba elam kufuneka ligoduke kuba uCigna akazukuhlawulela ukuhlala kwakhe kwakhona. Umama wayeneminyaka engama-55 kuphela ubudala xa uCigna wamkhupha esibhedlele. Besingazi kodwa uCigna ekufuneka eyazi ngenxa yeerekhodi zonyango kuye kwafuneka ukuba zithunyelwe kubo ngalo naluphi na uhlobo lokuhlawula esibhedlele ukuba umama wam ubotshiwe emathunjini kungenxa yoko ebephuma kwi-rectum kwaye engakwazi wema yedwa xa exelelwa uCigna ukuba abasayi kuphinda babhatalele unyango. Umama wayezakubuyela phakathi evekini e-ER egula kangangokuba babengenakumthatha igazi kuba wayeza kufa kwangoko ke wafakwa e-ICU kwaye kulapho safumanisa ukuba wayenamathumbu emathunjini akhe ukuba Uya kudinga utyando kodwa kuba khange yenziwe kwangoko wavulelwa ukuba wosuleleke phantse onke amathumbu akhe ukusuka emathunjini ehleli nje kuba umama wayengazi ukuba unale kodwa uCigna wayenza xa bamphosayo esibhedlele. Emva koko wabekwa kwinkxaso yobomi kwaye ngaphantsi kweentsuku ezisi-7 kamva kwiintsuku ezili-18 ngaphambi kokuba ndibeneminyaka engama-21 ubudala kwakufuneka ndisayine ukuze umama athathwe inkxaso yobomi kuba kwakungekho themba ngenxa yokusasazeka kokosuleleka ngelixa waye ngaphandle kwesibhedlele. Yibize into oyithandayo kodwa kukubulala xa imali okanye i-inshurensi elungileyo ibingamgcina umama ephila kodwa kuba wayeneCIGNA HMO bagqiba kwelokuba akakufanelanga ukuhlawula. Kusenjalo i-11years kamva ndisazibuza ukuba bangaphi abanye abafele ezandleni zabo.

  16. 24

Ingaba ucinga ntoni?

Le sayithi isebenzisa i-Akismet ukunciphisa ugaxekile. Funda indlela idatha yakho yokubhaliweyo isetyenziswe ngayo.