I have to write a heartfelt letter to an insurance company..

Question

They canceled my grandpas Medicare supplement because he didn't pay the premium. He is sick (cancer 5th stage) and he forgets stuff.

He has been in and out of the hospital and is now on in-home hospice.

The insurance co. said that they would reactivate it but that they won't pay any retroactive medical bills.

I was told that if I wrote them a letter to appeal to their emotions that it might help.

I need some ideas.

Thanks!

Answer 1

be as honest as possible.  i would say just sit down and write now...go off on whatever.  then take that and work it into something later.  honest emotions could be better than something forced.

Answer 2

It is very unlikely to make a difference. If he didn't pay the premium by the end of the grace period and the policy lapsed, then they are not responsible for anything that happened between the lapse date and the reactivation date.

On the other hand, it can't hurt anything.  

Answer 3

You think a government employee has emotions?  

The letter might make you feel better, but it's not going to change anything.

However, if Grandpa is really slipping like that, he should get the paperwork done to set someone up with power of attorney, who can pay his bills for him.  OR, you need to go to court and be made legal guardian for him.  Otherwise, this is just going to keep happening.

Sorry.  It's tough to get old.

Answer 4

They have no heart or emotions.  Insurance companies are evil vampires.  Good luck, just be yourself and stress your hardships in the letter.  Don't get weepy, but try to sound desparate.

Answer 5

Contact your local office for the aging (check the blue pages for govt agencies) and see what they can do to help.  Don't stop with one phone call and everytime someone says that they can't help you - ask them if they know of anyone/anyplace/any agency that could help you.

As for the letter the to insurance company - give it a try but the others are right - the rules are very strict.  The only "card" you can play (but it's a long shot) is to go the DOI (Dept of Insurance) for the state in which your grandfather resides and ask for their assistance.  They can't make the company change their rules, but they will make an inquiry on your behalf and that will get your situation elevated to the "decision makers" within the organization.  

The only other phrase I would suggest that you use in your letter is to ask that they make this exception "as a goodwill gesture".

I don't want to sound cold but, if he's really that far along with his illness, it can't hurt to just let the bills come in the mail and throw them in the trash - why waste your time with paperwork when you could be spending some time with your loved ones?

Answer 6

je ne sais pas

Answer 7

Honestly, it might not help that much, so don't build up your expectations just to get disappointed.  The insurance business is mainly about facts and money, so emotions may not get you far, but it is definitely worth a shot.

In the letter I would include facts and dates about your Grandpa's condition, perhaps how quickly the cancer advanced, or how the hospital treatments didn't go according to plan.

I would focus on WHY your Grandpa needs help from the insurance company.  Describe who he is as a person, his specific daily struggles, how he feels about them, and how you feel about the situation.  Do not be insulting to the insurance company because that won't get you anywhere.  If the letter doesn't work, you might try filing a complaint.

Answer 8

if he is having trouble, then there should be a relative who is going to be taking care of his bills, etc.  

Medicare and other insurance agents don't have "emotional sides".  write them a letter, and try, but you probably can't do much.  what were they willing to do if you made them cry?  pay the back medical bills?  i would get someone appointed legally who can pay bills and make decisions for him, and work with what Medicare can give you.

Answer 9

My recommended source may be is not the best suitable one for the question,however it should be quite useful to get the ideal answer.here you go.

http://insurance.freetipz.info/insurance...

Answer 10

Im just gonna give a straight answer. Dont play the emotion card. I work at a very large utility company.. and we get that alot...

Just be honest about the situation, adv them if they need a dr.'s note you can provide it.. and most likely they will be more cooperative.

Businesses have rules.. so while you may appeal, to the person handling his case.. they can't overturn company rules. Just try to keep it factual.. and be clear that you are more than willing to provide proof of things they may request.

Answer 11

Not sure what a gov't employee has to do with an insurance company, but they a business (not vampires) and unfortunately as business owners they're not going to want to pay bills that they don't have to pay.

Writing the letter is free, so they can't say yes if you don't ask.  Just remember that being nice will get you further and obviously someone else should take over paying his bills.

Good luck...

Answer 12

**** reading that makes me want to give you the money for it... jeez... just right that somehow into a letter, anyone who reads that and has a heart will consider anything.

Answer 13

You can try, but I doubt it will help.  Someone should take over paying his bills for him.  We had to do this with our grandmother for the last 6 years of her life.