Insurance Can Give You Double Vision...

http://mexiconewsdaily.com/mexicolife/some-tips-to-obtain-better-medical-care/

comments...eye opening... by S. Fiona

Beware of Some Mexican Insurance Companies:

WARNING: HIGHLY UNETHICAL COMPANY/ADVERTENCIA: EMPRESA muy poco ético

ALLIANZ MEXICO

PRIVATE HEALTH INSURANCE IN MEXICO I do not generally post negative comments when it comes to dealing with a company however in this case I would like to warn people about how totally unethical and inhumane Allianz Mexico is. I have had personal Health Insurance through this company for 9 years. In 9 years I NEVER had a claim. This past year the cost of the insurance increased about 30 percent. In order to keep my payments down I increased my deductible to 24,000 pesos per incident which seemed manageable. Recently I was diagnosed with Macular holes in both of my retinas and cataracts in both eyes. In order to repair the retinas it is necessary to remove the cataracts. I submitted all of the necessary paperwork through my agent to Allianz Mexico in order to be prepared for the surgical procedure. It took approximately 10 days to obtain approval for the surgery. I was told at that time they were considering it as TWO events as I have two eyes…thus 2 deductibles. I and my surgeon was told that I needed to pay the first deductible (24K) have the surgery on one eye…then pay a second deductible and have the surgery on the second eye. The night before the surgery within 12 hours of having the surgery I was told by the agent that both deductibles needed to be paid up front before any surgery (48K). I went to the surgeon’s office, he called the coordinator and stated that is not the instructions you gave last week. The coordinators response was “That was Last week, this is a different week”. So I show up the next day, psyched and prepared for the surgery, transportation, recovery assistance. I fill out all of the forms about blood transfusions, last rites, etc….only to be told by the surgeon that he had just received paperwork from the coordinator and Allianz was now considering the surgery as FOUR events..an event for each cataract and an event for each retina. Or in other words another 48,000 prepayment of a deductible. Because I did not have 48,000 in cash in my bag I was denied surgery. Lest than an hour before the surgery. The surgeon was prepped, the anesthesiologist on hand..and the hospital operating room reserved. Needless to say now the doctor is completely frustrated and I am beyond livid. In my opinion this is unbelievably irresponsible if not unethical on the part of Allianz MEXICO.

Who is your agent? I would talk with Spencer about this.

YES, go see Spencer asap!!!!