TRICKY INSURANCE COMPANIES
3 Disputing Medical Treatment An insurance adjuster may never have gone to medical school, but they claim to know exactly what treatment is right for you. They can suddenly appear to have extensive knowledge about how much or little medical attention you need. It’s crucial to rely on medical professionals in this type of situation. 4 Nickel and Dime the Medical Charges If they shave just 5 percent off your claim and repeat that to the millions of claims made each year, they get richer. 5 Misrepresenting Insurance Benefits This is a big one. They’ll tell you there’s only $100,000 in coverages. Then, when attorneys file suit, they find an umbrella policy! Wouldn’t you think the insurance company would know such a policy was in their systems? Of course they did. 6 Acting Like Your Friend and Making False Promises Be wary of an adjuster who befriends you, shows up at your house, and promises to pay your
Insurance companies will do anything they can to dissuade people from seeking help and advice from at attorney. To prevent someone from receiving more money on their claim, an insurance company will use fear and sow mistrust all so that they won’t seek help from an attorney. There are many tactics they’ll use to give you the least amount they possibly can. 1 Deliberate Delay Often, they’re aware that a person is in a financial squeeze. If you aren’t working, even if you have good health insurance, it can be difficult to pay copays and deductibles. The insurance company knows you’re getting dunned by the doctors, so they take their time with your claim. 2 The Quest for Unnecessary Information Insurance companies will insist that you track down every little piece of information, even if it’s unnecessary. They would prefer to wait another six weeks for you to track down new information that wouldn’t add a penny to their offer. All the while, they’re earning interest on money they won’t pay you.
future medical bills. This is a tactic to stop you from hiring a lawyer. They’ll only pay the future medical bills until the claim starts costing them too much. If you’re injured, your best option is to consult a lawyer before moving on to the next stages of a claim — especially if you don’t understand the system.
Laugh Out Loud
Inside-Out Grilled Ham and Cheese Want to take your grilled cheese game to the next level? This recipe calls for cheese both inside and outside the sandwich, adding a crispy crunch to the grilled cheese experience. It’s a quick, delicious weekday dinner option the whole family will love. Ingredients
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8 ounces ham, thinly sliced
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8 slices of bread (Pullman works best)
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1/2 pound Swiss cheese, sliced
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4 tablespoons unsalted butter, room temperature 1/2 cup freshly grated Parmesan cheese (preferably Parmigiano-Reggiano)
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2 tablespoons Dijon mustard
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1/4 cup apricot preserves
Instructions
4. In a cast iron skillet or large sauté pan over medium heat, grill sandwiches until golden, about 3 minutes per side. 5. Cut in half and serve.
1. Butter each slice of bread on the outsides and sprinkle with Parmesan. 2. Layer ham and cheese evenly on top of 4 slices of bread. 3. Spread apricot preserves and mustard across the other 4 slices. Press sandwiches together.
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