Reply #82: I'm going to have to guess that you're the exception to the rule [View All]

[AP]

if you've been having a decent experience individually, over the same period of time my med mal friend has seen literally hundreds of cases of HMOs denying people services and using crappy rules to avoid liability. My friend has experience from the pre-HMO days and has commented on the very distinct changes in the industry, and has commented on how much worse it has gotten and how it almost entirely correlates to the business practices of HMOs.

And remember, this guy DEFENDS hospitals and doctors and insurance companies -- so he's spending 9 to 5 helping these people, and then spending the weekends cautioning everyone he cares about to stick with Blue Cross Blue Shield, even if it's three times more expensive.