Virgil
Good ONLY for preventation.
The care from this organization is good only as preventative. Once an emergency hits, things start getting harder to deal with. (1) Going to the nearest emergency room did not work for us since the emergency, (medically necessary care after a cycling accident in which a jaw was broken and teeth were lost), was not life threatening. Kaiser was great and wanted to take care of our daughter, but in this situation the best they could do is tell us what was wrong and then send us home. (2) This carrier does not have a specialist in network to take care of broken jaws. So care is much slower, and on top of that, the specialist that was found said that it was not necessary, (he had other plans to fix her overbite), and with that decision, since this insurance hasn't wanted to cover any of the care to my daughters ability to eat for good health, I can image how much they could have fought to pay for any care. (3) The jaw never got set because of this, and the upper mandible had splinters in it that only a dentist seemed to notice, and since this was all seen by an expert that isn't medical, even though getting good nutrition by being able to eat properly seems to have the idea being necessary for good health, the carrier does not see this as medical work but dental work. This is not like my daughter didn't brush her teeth and just let them rot out. They were knocked out of her mouth after hitting the concrete when falling from off her bike. (4) To get the proper care for my daughter, it's going to cost over $20k. An insurance company should be able to afford paying for some of that. By the way, at the time of trying to get my daughter care, my wife and I talked with another mom who had a son that broke his collar bone. She had a very similar experience, but since it was more on the body, the son did eventually get some support from the carrier. The funny thing is she even works for the medical group. So it seems they don't even care about their own employees and their family. Lastly, the "Date of experience" one has to put on this review is wrong. It's not a single date of experience when one has to spend several hours of several days trying to understand and get the care one needs for a broken body.


