Insurance agents have begun to offer incentives for enrollment in what is commonly referred to as Medicare Advantage plans. These incentives include anything from dinner to trips to Las Vegas. In the wake of these hard sell tactics, enrollment in Medicare Advantage Plans has skyrocketed.
Mississippi state insurance commissioner George R. Dale said, ?Abusive Medicare insurance sales practices are spreading rapidly throughout the state.? State Senator Terry C. Burton added, ?My office is receiving calls daily from seniors who have been victims of unscrupulous salespeople.?
According to the NY Times, ?Proponents of private plans say they are indisputably good for many older Americans because they coordinate care and may offer extra benefits, like discounts on eyeglasses, hearing aids and dental care. But federal officials said that the fastest-growing type of Medicare Advantage plan generally does not coordinate care, does not save money for Medicare and has been at the center of marketing abuses.?
According to statistics one fifth of the 43 million Medicare beneficiaries are currently enrolled in an Advantage Plan. The NY Times article highlighted 2 insurance agents in Georgia who were arrested last month who were accused of conspiring to defraud Medicare beneficiaries.
John W. Oxendine, the Georgia insurance commissioner said, ?The agents signed up unwilling consumers and even deceased individuals for private Medicare plans. This appears to be a national problem, based on my conversations with insurance officials around the country.?
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1. You weren't wearing a seatbelt and thus were the cause of your own injuries.
2. Your car had equipment defects which contributed to the accident.
3. Your ability to drive was impaired by drugs or alcohol.
4. You didn't notice the other car until impact or immediately before impact and therefore were inattentive.
5. You exaggerated the wrongdoer's speed to the police and thus you are not credible.
6. You were exceeding the speed limit and could have avoided the accident if you had been going slower.
7. You gave no stop or turn signal or made an unsafe lane change.
8. You were not in the intersection first.
9. No independent witnesses were found to substantiate your version of the accident (the people in your car don't count).
10. According to our "book" this impact could not have caused the injury you are complaining of.
11. According to your prior medical records, your injuries already existed before the accident.
12. The accident was so minimal the police were not summoned to come.
13. You refused a trip to the hospital after the accident.
14. The emergency department of the hospital you were taken to after the accident did not document any complaints of pain in the places that you are now complaining about.
15. You have no visible signs of injury.
16. You waited too long to see a doctor.
17. You saw the wrong type of doctor.
18. You saw a doctor known for over-treating injury victims in order to make a lot of money.
19. We know that your lawyer will never go to trial.
20. You have a history of other claims over the last ten years.
21. No other person involved in the accident had injuries.
22. There was very little damage to the car you were in.
23. (If you were a pedestrian) you walked into the car.
24. When you saw a doctor you forgot to give a history of other injuries you have sustained in the past.
25. At the time of the accident you were under the care of a physician for a prior accident.
26. Your complaints to the doctor were bizarre or exaggerated.
27. You were referred to your current doctor by a lawyer.
28. Our videotape surveillance shows that you can do many activities without appearing to be in pain.
29. The doctor's records indicate that he observed you walking normally when you did not know you were being watched.
30. You had a subsequent (later) accident which is the real cause of the problems you complain about from this accident.
31. The doctor your own insurance company forced you to see reports that you are actually uninjured and not in need of treatment.
32. You have unrelated medical problems such as arthritis or other pre-existing medical problems.
33. Your doctor did not recommend time off of work yet you took time off of work.
34. You did not miss any time from work.
35. Prior to the accident, you had a poor attendance record.
36. Your prior tax returns and/or Social Security records do not match up to the claims you are now making about lost wages.
37. You never filed tax returns in the past.
38. The statute of limitations (time limit) has run on your case.
39. You made a statement early on to the insurance company that you were not injured in the accident.
40. You are not a U.S. citizen.
Remember, it is the insurance adjuster's job and duty to seek out and find as many defenses and arguments as possible to your case. This starts very early when the adjuster wants to "take your statement" or have you "sign a few forms" or offers you a "quick settlement check."
Both Calthlene Martinez & Gary E Rosenberg are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
Calthlene Martinez has sinced written about articles on various topics from Health, Health Insurance and Credit Cards. Joshua Daly is the author of many health related articles as well as the President of ePharmacies.com. Joshua's goal is to help consumers save money and make better informed decisions. Click here for more information on ordering from a discount. Calthlene Martinez's top article generates over 9900 views. to your Favourites.
Gary E Rosenberg has sinced written about articles on various topics from Advertising Guide, Legal Matters and Finances. FREE books and reports! For more information about New York car accidents and personal injury request Gary Rosenberg's FREE book: Warning! Things That Can Destroy Your CarAccident Case (And the Insurance Companies Already Know These Things), at. Gary E Rosenberg's top article generates over 27100 views. to your Favourites.