Ungavumeli uCigna abaleke ngokubulala

Phumula ngokuthula, Natalia.

Uma ungakaze unqatshelwe izinzuzo, ufihliwe endaweni yomshwalense, noma uzwe ngomuntu onayo - ungumuntu onenhlanhla! Imboni yomshuwalense ingenye yenzuzo enkulu e-United States. Izibalo zilula, lapho bevumela abantu ukuba bafe - inzuzo ingcono.

Singakuguqula lokhu nge I-inthanethi kanye ne-blogosphere? Singakwazi yini ukuqhumisa ngokoqobo izinjini zokusesha ezinemiyalezo ye- AmaCigna Sucks futhi wenze umehluko? Bathi basemabhizinisini okunakekela. Kuyiqiniso lokho? Ngabe ukunakekela akubizi imali eningi kunokungakhathaleli? Ngikholwa ukuthi odokotela bayakhathala, kepha izinkampani zomshuwalense zinesikhuthazo esiphikisayo.

Encwadini yangoDisemba 11, odokotela abane banxusa umshwalense ukuthi aphinde acubungule. Bathe iziguli ezimeni ezifanayo lapho zifakelwa izitho zinezinyanga eziyisithupha ezisinda cishe ngamaphesenti angama-65.

UCigna uthe bekungokokuhlola hhayi ukuhlanganiswa nenqubomgomo yabo.

UNataline Sarkisyan manje ushonile ngemuva kweminyaka emithathu elwa nomdlavuza wegazi nokwenqatshelwa ukufakelwa okudingekayo enkampanini yakhe Yomshuwalense, iCigna.

Lokhu akuyona into emfushane ngokubulawa kwezinga lokuqala emehlweni ami. Umqashi olahlekelwa ngumqashwa ngenxa yezimo zokusebenza ezingaphephile angabekwa icala lokubulala noma lokufa ngokungemthetho, kungani i-Insurance Company ingakwazi? UCigna akazange asishaye indiva lesi simo, basihlaziya futhi benza isinqumo sokushiya isiguli sife.

Lezi zindaba ziyathukuthela futhi ziyangethusa. Uma unesitoko ku-Cigna noma i-Mutual Fund ene-Cigna kule nhlanganisela, ngingakunxusa ukuthi ungayisekeli inkampani enjalo. Isikhathi sokuthi izinkampani zemishwalense ziyeke ukufaka amapokhethi azo ngegazi labo bantu abazikhokhelayo.

Okuningi emzabalazweni kaNataliine:

  1. UNataline uyadlula emhlabeni, amahloni kuCigna
  2. UCigna ubulala uNataline
  3. I-RIP, uNatal
  4. UNataline ushonile

I-CIGNA Executive Management Team - ulala kanjani ebusuku ?!

  • H. Edward Hanway, USihlalo kanye noMphathi Oyinhloko, i-CIGNA Corporation
  • UMichael W. Bell, Iphini Likamongameli Ophethe kanye noMphathi Omkhulu Wezezimali, i-CIGNA Corporation
  • UDavid M. Cordani, UMongameli, i-CIGNA HealthCare
  • UPaul E. Hartley, UMongameli, i-CIGNA International
  • UJohn M. Murabito, Iphini Likamongameli Ophethe, uMnyango Wezabasebenzi Nemisebenzi, i-CIGNA Corporation
  • UCarol Ann Petren, Iphini Likamongameli Ophethe kanye noMeluleki Jikelele, i-CIGNA Corporation
  • UKaren S. Rohan, UMongameli, i-CIGNA Group Insurance noMongameli, i-CIGNA Dental & Vision Care
  • UMichael D. Woeller, Iphini Likamongameli Ophethe kanye noMphathi Oyinhloko Wezokwazisa, i-CIGNA Corporation

24 Amazwana

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    • 2

      Sawubona JHS,

      Ingxenye esabekayo kimi yilena nje - inkampani yomshuwalense kuleli inegunya lokuphika izimangalo zokuthi udokotela uyaphikelela ukuthi uzokwelula noma alondoloze impilo.

      Ibhizinisi elenza isinqumo ngempilo noma ngokufa kufanele lingabi semthethweni. Plain futhi elula.

      Doug

      • 3

        UDoug,

        Yebo, kuyesabisa, kepha kube yiqiniso isikhathi eside. Sonke lesi sehlakalo siyindida ngandlela thile: Abanye abantu kufanele bafe ngoba isitho sabanikeli asivele sitholakale. Lapha ngokusobala sasinecala lapho kwakukhona khona elilodwa, futhi akakwazanga ukulithola.

        Noma ngokunokwenzeka, ubengaba nakho, kepha bese kuthi wonke umndeni wakhe kudingeke ukuthi uthengise amapensela emgwaqeni ngemuva kokuthi izinsiza zawo zishe. Kungakho babecabanga ukuthi banomshuwalense. Kukhona okungahambanga kahle ngalesi sithombe…

        • 4

          Sawubona Bob!

          Kuhle ukukubona lapha futhi ngethemba ukuthi wenza kahle.

          Kahle kahle.

          Ngiyethemba ukuthi singafaka ingcindezi edingekayo yokuthi isishayamthetho sethu sishiye ukunakekelwa kweziguli lapho kufanele khona - nodokotela hhayi inkampani yomshwalense.

          Doug

  2. 5

    Inkinga ukuthi okuyisisekelo sezinkampani zomshuwalense wezempilo kuncike ekungakhokheni izinzuzo. Yilokhu engihlangane nakho ngenkathi ngizama ukuthola imvume yemithi yendodana yami. Wayenemvume yeZyrtec-D, okwakuyimithi engeyona eyokwelashwa ngo-2004 ngesikhathi kuqala impi. Angizange. Sobabili sanikezwa umuthi ofanayo we-ADHD. Elami livunyiwe; okwakungeyona yakhe. Akuzange kuvunyelwe kuze kube kulo nyaka, lapho iZyrtec-D ivunyelwe ukuthengiswa kwe-OTC? Kwaqondana? Unquma.

    Indaba yethu incane uma iqhathaniswa nalokhu, kepha umgomo usabambile. Babekade bemboze ukufakelwa umnkantsha kanye nokunakekelwa kwangemuva ngakho ezingqondweni zabo, base benze isibopho sabo sokwamukela noma yiziphi izindlela zokwelashwa ezibizayo zale ntombazane. Ngiyangabaza ukuthi isicelo ekuqaleni sifike kothile onolwazi (bheka amanothi ami mayelana nodokotela wezifo zesisu avumela imishanguzo yezengqondo, ngokwesibonelo), ngakho-ke kwakulula ukuthi cha. Ngisho nangemva kokuba odokotela abane bedlulile icala, baphika.

    UMichael Moore unelungelo eliningi: Ukubeka izinqumo zezokwelapha ezandleni zanoma ngubani ngaphandle kukadokotela wesiguli akulungile. Futhi kulabo okuthiwa 'odokotela' eCigna kufanele ngibuze nje ukuthi bavumelanisa kanjani isifungo sabo se-Hippocratic kanye nokwenqaba abasayina.

    • 6

      Ngokuvumelana ne Forbes, Isinxephezelo esiphelele sikaH Edward Hanway singamadola ayizigidi ezingama-28.82 kanti iminyaka emihlanu ingamaRandi ayizigidi ezingama-5. UHanway ubengu-CEO weCigna (CI) iminyaka eyisithupha futhi ubesenenkampani iminyaka engama-78.31.

      Yindlela abuyisana ngayo.

  3. 7

    Ngeshwa iningi lethu abantu baseMelika badlula emafutheni empilo, abayizimungulu futhi bajabule. Sifunde ngezinhlekelele ezinjengalesi futhi sicabanga ukuthi ngeke zehlele mina noma umndeni wami. Sizama ukubukela phansi ukubaluleka kwayo ngemicabango efana nokuthi “uwele imifantu” noma “ngabe ushonile vele”. Umshicileli wethu uhluleka ukuphenya kahle nokubika ngezinto ezimbi nezobugebengu ezenziwa yizinkampani zomshuwalense ngoba iningi labashuwalense nabo bakhokha abaxhasi. Sinezintatheli ezifana noJohn Stossel villefying ifilimu iMichael Moores iSicko ezinyangeni ezimbalwa ngaphambi kweNatalines Death.

    Vuka Melika

    Kuze kube lapho sonke sithukuthele ngokwanele futhi empeleni senza izingcingo, bhala izincwadi futhi wenze intukuthelo yethu yaziwe, le mikhuba izoqhubeka. Isho ngosiba lwakho, umlomo wakho nencwadi yakho ephaketheni.
    Xhumana ne-congressman yakho. Thumela i-imeyili izintatheli zezindaba ezingelona iqiniso. Xhumana futhi usongele ngokuduba izinkampani ezikhangisa ngalezi zindaba zezindaba.

  4. 8

    Yonke le nto iphakamisa imibuzo eminingi bese iyangiphendula.

    Ngokwalokho engikufundile, uma engatholwa ukufakelwa KUNGENZEKA ukuthi uphile ezinye izinyanga eziyisithupha. Impela wayengeke aphile isikhathi eside kunalokho. Wayenesifo esingalapheki.

    Ngiyazwelana nomndeni. Kepha ayinqunyiwe futhi yomile njengoba eminye imibiko yemidiya ifuna ukuyenza. Ukube bekuyindaba yokuthi athole lokhu kwelashwa futhi aphile eminye iminyaka engama-20… ayisebenzi. Kodwa ukuthola lokhu kufakelwa kabusha, bekuzodinga ukuthi athole umuthi wokulwa nokwenqatshwa… obekuzothatha amasosha omzimba asevele ebuthakathaka futhi akwenze kube kubi kakhulu… obekungenza umdlavuza usabalale ngokushesha okukhulu. KANYE nomdlavuza wagcina ungasasebenzi.

    Futhi ngibhekene nempi yami nezinkampani zomshuwalense wezempilo njengamanje. Ngakho-ke ngiyazi ukuthi bangaba phansi ngokungenangqondo. Futhi isimangalo sami singamadola angamakhulu ambalwa nje kuphela… akukho ndawo eduze kwezinombolo eziyisithupha lesi simangalo ebesizungeza kuzo.

    • 9

      Sawubona ck,

      Nginesiqiniseko sokuthi kunezicucu eziningi ezilahlekile, kodwa engangikubamba ngedwa ukuthi abanye odokotela nabahlengikazi bacela ukwelashwa futhi bavotelwa yinkampani yomshwalense. Kufanele siqiniseke ukuthi lokho AKUKE kwenzeke.

      Sikufisela inhlanhla ngempi yakho! Ngingomunye wabaningi 'abangaqinisekisiwe' kuleli - ngikhuluphele kakhulu futhi angikwazi ukuzitholela ngedwa. (Izingane zami zimbozwe ngezinqubomgomo zazo).

      Doug

  5. 10

    Ngiyabethemba odokotela ngendlela engizethemba ngayo izinkampani zomshuwalense.

    Ubungeke ucele ikhono lokwenza okuthile okungahlanganisa amaphakethe akho nemithwalo yemali yesikebhe?

    Kungakho ungafaka isikhalazo kumxazululi ovela eceleni ngezinqumo eziphikisiwe. Ngakho-ke umuntu:
    A. Ayithonywanga yimizwa yomndeni.
    B. Ayithonywanga yilokho okuyikho (iya kumshuwalense nakodokotela)

    Ungenza isinqumo sokugcina.

    Akuyona into engaqondakali ukuthi odokotela abaningi bangosozigidi ngokwabo.

    Ngakho-ke ngaphandle kwesihloko, ungathi usekela ukunakekelwa kwezempilo komhlaba wonke?

    • 11

      Ngibe nenjabulo yokwazi odokotela abambalwa futhi bekubuhlungu ukubona ukuthi izinkampani zomshuwalense zibathinte kanjani. Omunye wabangane bami wacindezelwa ukuthi 'achithe isikhathi esincane' nesiguli ngasinye ukuthuthukisa 'umkhiqizo' wakhe. Ngiphinde ngambona echitha i-1/3 yomholo wakhe kumshwalense ongalungile (enye imboni enenzuzo).

      Futhi bekufanele ajoyine iqembu likaDokotela kunokuba abe nomkhuba wakhe ngoba bekungekho ndlela akwazi ukuhambisana namaphepha omshwalense. Lokhu bekumhlukumeza inhliziyo ngoba ubenguDokotela omuhle kakhulu futhi ebengafanele ukuthungiselwa ukunakekelwa kwezempilo kulayini wokukhiqiza.

      Ngicabanga ukuthi uzothola ukuthi iningi loDokotela akubona ozigidi futhi ngisho nangaphezulu lishiya ukunakekelwa kweziguli ngenxa yazo zonke izinkinga okufanele zibhekane nazo. Kubheda.

      Impendulo: Ukunakekelwa Kwezempilo Okujwayelekile

      Ngihlale eCanada iminyaka eyi-6 futhi empeleni ngiyakweseka ukunakekelwa kwezempilo emhlabeni wonke (okuthusa kakhulu ukukhuliswa kwami ​​okulondolozayo). Isizathu silula - ngikholwa ukuthi ubudokotela buyinkinga yomphakathi, hhayi ibhizinisi… yize e-US sikwenze kwaba ibhizinisi lokuQHOSHA.

      ICanada inezinselelo zayo, ngizovuma. Izindaba ezesabekayo esizizwa lapha zimbalwa futhi ziyaqhubeka phakathi, noma kunjalo.

      Ngikholwa ukuthi kunenzuzo enkulu yebhizinisi ekunakekelweni kwezempilo kwendawo yonke - abantu abesabi ukuqala ibhizinisi labo lapho kungadingeki bakhathazeke ngokunakekelwa kwezempilo kwemindeni yabo. Abantu abasasabi ukushiya imisebenzi emibi, futhi, okuholela ezimeni zokusebenza ezithuthukisiwe.

      Ngicabanga ngokweqiniso ukuthi kuyisinyathelo sokukhuphuka. Ngemuva kwakho konke, uma ungakhokha i-CEO ye-Insurance $ 28 million ngonyaka, kunethuba lokuhlehlisa okuthile, akunjalo?

  6. 12

    Cha. Uma ubona unikeza u-33% OKWENGEZIWE komholo wakho kuhulumeni ukuze uthole umshwalense… qhubeka phambili. Kepha njengoba kumile njengamanje… Ngikhokha cishe ama- $ 250 / ngenyanga ngomshwalense wezokwelapha (omuhle kakhulu). Yize umqashi wami ekhokha okuningi kakhulu. Kepha leyo yingxenye yokuqasha abathuthukisi.

    • 13

      Okuxakayo ukuthi sesivele siyayikhokha leyo, noma kunjalo, ck. Lapho umuntu ongakatholakali umshwalense elashwa, uyikhokhela ngokusebenzisa intela namanani enyuka ezokwelashwa, njll. Sesivele sikhokhela ukunakekelwa kwezempilo komhlaba wonke… kepha kuphela ukwelashwa - hhayi umuthi wokuvikela.

  7. 14

    ck -

    Mayelana nokuphawula kwakho ukuthi uNataline wayezoba nezinyanga eziyisithupha NGOKUFAKELWA - kwakungalungile. Ngaphandle kokufakelwa kabusha, babemnikeze izinyanga eziyisithupha ngaphandle. Ukufakelwa komnkantsha wamathambo kuphumelele ukuqeda i-leukemia kodwa izindleko kwaba ukulimala kwesibindi okwakungalungiseki. Ukube wayethole ukufakelwa, wayenethemba lokuphila okugcwele. Ngaphandle kwalo, wayezolahlwa.

    Uhlelo luphuke ngokuphelele lapho odokotela bengasenamandla okuba odokotela. Uma ungabethembi, mhlawumbe kungenxa yokuthi kuye kwadingeka basebenzise umuthi wokuzivikela lapho benelisa umshwalense, isiguli futhi bahambe emgqeni wezingozi zomthwalo womshuwalense, nabo.

    Ukulungisa lolu hlelo kuzosho ukunciphisa imiklomelo yokulimala kokungaziphathi kahle kanye nezizathu zokumangalelwa ngamacala, ukukhawulela inzuzo yabashuwalense nokubuyisela umkhuba ezandleni zabantu abakhokhe imali engaphezulu kwe- $ 100K ngemfundo yabo njengodokotela. Kufanele ulufunde impela uchungechunge lukaDkt Kirschenbaum kuDokotela, Imali kanye Nezokwelapha ngombono ohlukile. Qala lapha.

  8. 15

    Konke engikufundile bekubonakala kukhombisa umgomo wokufakelwa kwesibindi bekuyithuba lama-65% lokuphila ezinye izinyanga eziyisithupha.

    Manje njengoba iposi lami lokuqala lishilo, ukube lokhu bekuzokwenza impilo yeminye iminyaka engama-20 ikwazi ukwenzeka… konke lokho. Kepha uma izinyanga zayo eziyisithupha… ngeke ngigxumele phezulu noma phansi nganoma yisiphi isinqumo. Futhi ungacabanga ukuthi umlamuli ovela eceleni uyisixazululo esivumelekile.

    Futhi yize kuyizinkinga zabo, angicabangi ukuthi ukulungiswa yilokunakekelwa kwezempilo okuvamile, okuvele kuhambise umthwalo kuhulumeni wethu futhi bayamunca.

    Ukulungiswa ukuthi, njengoba ubalule… ukukhawulela umonakalo wokungaziphathi kahle neminye imithethonqubo. Kepha angizukubeka ukuphathwa komshuwalense wezempilo kokuthandwa nguHillary Clinton. Uma ngikhuluma iqiniso, ngiba nezinkinga ezanele zokuthi imali yami yentela isetshenziswa kuphi… angiyidingi ukukhokhela 'izindaba zezempilo' njengemisebenzi yasekhaleni.

  9. 16

    CK -

    Ngombhalo we-Associated Press ku http://ap.google.com/article/ALeqM5hFp8DsNC_gJwb9q72kNfDiZCioSwD8TM2SAO1, odokotela base-UCLA bacashunwa bethi “… iziguli ezimeni ezifana nezikaNataline ezithwalwa zifakelwa isilinganiso sezinyanga eziyisithupha sokuphila cishe ngamaphesenti angama-65.”

    Engikuqonda kahle ukuthi lokho kusho ukuthi uzoba nethuba elingamaphesenti angama-65 lokusinda ezinyangeni eziyisithupha zokuqala, hhayi, njengoba uphawulile, ukuthi uzokufa ezinyangeni eziyisithupha. Wayenesifo esingalapheki ngoba wayenesibindi esasibangelwa ukwelashwa komdlavuza wegazi. Ukuqonda kwami ​​ukuthi uma efinyelele ezinyangeni eziyi-6, ubezoba nethuba lonke lokulenza libe yiminyaka eminingana.

    Kubonakala kimi ngokwethembeka kusuka kokuthunyelwe kwakho ukuthi ukholwa ukuthi ukunakekelwa kwezempilo okungenza okuhle kufanele kutholakale kuphela kulabo abangakwazi ukukukhokhela, nokuthi wonke umuntu ungcono uma esefile. Ngiyavumelana namaphuzu neziphakamiso zakho eziningi; Ngicabanga ukuthi ukulamula komuntu wesithathu kungumbono omuhle, ikakhulukazi uma kushesha, kepha umbono wakho obonwayo wokuthi “kungenzeka umvumele afe, ubesazobuyela” uqhamuka usushubile. Inikeza isithombe sokuthi unentshisekelo kuwe kuphela futhi akekho omunye umuntu.

  10. 17

    Phanga,
    Ngifuna wonke umuntu aphile futhi akwazi ukuthola umshuwalense wezempilo, kepha angicabangi ukuthi yindawo kahulumeni yokukunikeza nakho.

    Ngingathanda ukubona uhulumeni omncane kakhulu (okungukuthi, kukhishwe i-IRS), hhayi ngaphezulu kwawo.

    Ucabanga ukuthi obaba bethu abasungula bakwenza kanjani lokhu? Impendulo ukwenza umthwalo odokotela ube mncane (okusho ukuthi amasudi omthetho) hhayi ukuhambisa lowo mthwalo kubo bonke abakhokha intela. Uhulumeni wethu uzibonakalise engenakho futhi akumele athenjwe nangempilo yethu yezokwelapha. Ngabo abaphethe, amacala afana nalawa azojwayeleka kakhulu, hhayi ajwayelekile. Bheka nje izibalo zokwehluleka kwenhliziyo namazinga okusinda komdlavuza walabo abanomdlavuza. Imithi yangasese isebenza kangcono kakhulu.

    Kepha njengakule ndaba esiseduze, mangiphinde ngiyisho .. uma ukubikezelwa kwakungaba yimpilo ende ngemuva kokufakelwa kabusha ... ngakho-ke ngiyikho konke lokho. Kepha ngifunde isitatimende osikhombe ngendlela engesiyo.

    Ngingathanda ngempela ukubona okubhalwe kahle, i-athikili yesitayela samaqiniso kuso.

    Lesi akusona isifundo esilula futhi akufanele kube yiso esinezimpikiswano ezingokomzwelo. Amaqiniso nje m'am.

    • 18

      Amaqiniso alula, uCigna akafuni ukuchitha ukwelapha ukugula, uCigna Glendale ofanayo wenze lokhu kulo Mndeni, balwa ngazo zonke izindlela ababengazithola, ukuthola nje ukuthi ama-Goverment Agency avumele laba bantu bahlukumeze umthengi, futhi lutho sekuphelile. Kumboziwe.

      UCongressman waseValencia, eCalifornia Uyabhala

      UCongressman wabhala: Encwadini yangoMeyi 30th 1996 eya kuDep of Corporations. Ikhophi yencwadi enikezwe uJo Joshua Godfrey.

      Khomishani Othandekayo,
      Ngibhala egameni lezakhamizi zami uJosephine Joshua Godfrey ohlangabezane nobunzima obukhulu nge-HMO yaseCalifornia enakekelwa ngezempilo.

      UNkk Godfrey unciphisa i-CIGNA yehlulekile ukuxilonga kahle nokwelapha umdlavuza wakhe wamaphaphu kusukela ngoMashi 1993 kuya ku-Agasti 1994. Ngokusobala ngemuva konyaka odokotela abangebona abe-Cigna basikhomba kalula isimila seCarcinoid ephashini lakhe langakwesobunxele futhi batshela uNkk Godfrey ukuthi i-Tumor kwakufanele itholakale ekuqaleni kuka-1993. Yize kunqatshelwe kaningi ukuthi izicubu zikhona e-CIGNA, isimila ekugcineni sasuswa e-ST. Josephs Hospital eBurbank California. I-post operative pathology ibika ukuthi isimila “besikhule ngokugcwele… sikhule ngokugcwele.

      Ngesikhathi ehlolwa yi-GIGNA uNkk Godfrey ucele kaninginingi ukuthi adluliselwe kochwepheshe bezokwelapha. Ngesizathu esithile esingaqondakali i-GIGNA yenqabile ukubonana nodokotela ukuze bathole ukwelashwa okufanele. I-CIGNA nayo yenqabile ukukhipha amarekhodi ezempilo kaNkk Godfrey ukuze omunye udokotela akwazi ukubuyekeza umlando wakhe wezokwelapha nokuhleleka ukwelashwa. Kuphela ngemuva kwezicelo eziningi lapho amarekhodi akhishwa. Kodwa-ke, uNkk Godfrey ukholelwa ukuthi ukuvikela i-CIGNA ekungahambini kahle nemibhalo yaguqulwa kabi.

      Isifundazwe saseCalifornia sinesibopho sokuvikela abathengi ababhalise ku-HMOS. Umbuso kudingeka ukuthi ufundise futhi wazise abathengi nge-HMOS.Ngokuba abantu baseCalifornia abangaphezu kwezigidi eziyi-12 e-HMOS bafundisa futhi bazise abathengi ngekhwalithi nokutholakala kokunakekelwa kwezempilo kuyinto ebalulekile. Ngeshwa, uma isipiliyoni sikaNkk Godfreys sikhombisa ukuthi izidingo zabezokwelapha ziphathwa kanjani yi-HMOS, kufanele siphinde sihlole uhlelo lokunakekelwa oluphethwe. ICongress isiqalile ukuphenya nge-HMOS kanye nekhwalithi yokwelashwa abakunikezayo. Iziguli eziningi zikholelwa ukuthi i-HMOS ivame ukwenqaba ukunakekelwa nolwazi ezigulini ukuze kuncishiswe izindleko. Umthetho obonakalayo "we-gag rule" ovimbela odokotela ekuphakamiseni ukwelashwa okungafakwanga yi-HMO nakho kuyakhathaza.
      IConstituent yami akuyona ukuphela komuntu oye waba nezinkinga ekubhekaneni ne-HMO.
      (1) URuth Macinnes waseSan Diego ushone ngenkathi odokotela be-HMO behluleka ukunikeza izivivinyo zokwelapha ukuxilonga nokwelapha isifo senhliziyo nokuphendula ezenzakalweni zokushaqeka kwe-Cardiogenic; -ihlolwe isikhathi esingaphezu konyaka. Ngitshelwa ukuthi njengalaba bantu kunezinkulungwane zabanye ezizungeze isizwe ngezindaba ezifanayo.

      Ngenhlonipho ukuthi ihhovisi lakho lihlole lezi zimangalo, futhi liphenye ukuthi ngabe i-HMOS yoMbuso ibhekwe kahle yini futhi abathengi banikezwa imininingwane abayidingayo ukuqinisekisa ukunakekelwa kwezempilo okusezingeni. Ngikholwa wukuthi uNkk Godfrey uphathwe kabi kakhulu ngohlelo okufanele lumnakekele. Uma kutholakala ukwephulwa komthetho ngicela ukuthi kuthathwe izinyathelo zokuphoqelelwa kulabo labo ababhekene nokuphatha kabi abathengi. Uphenyo olunzulu luzosiza ekuqinisekiseni ukuthi umbuso uyasifeza isibopho sawo kubathengi abangaphezu kwezigidi eziyi-12 be-HMO. Sicela uphendule esifundeni sami sase-Diretor, u-Armando E. Araloza endaweni yakho yokuqala yokulwa.
      UMnyango Wezokuphendula
      Phendula Los Angeles, CA »

      JO JOSHUA GODFREY WABelane NABANTU BASEKHALIDIYA NAKULESI SIZWE:
      UMNYANGO WEZINKAMPANI ZIMPENDULELE INCWADI YABASEBENZI BABASEBENZI BABASEBENZI BASEKHAYA
      RE: Faka i-ALPHA
      Congressman othandekayo,
      Ngithola incwadi yakho kaMeyi 30, 1996, eyatholakala ngoJuni 4, 1996, emayelana nabantu ababizwe ngenhla kanye nohlelo lwabo lwezempilo, iCigna Healthcare yaseCalifornia.
      UMnyango Wezinkampani (? UMnyango?) Ulawula ukunakekelwa kweCigna Healthcare nezinye izinhlelo zokunakekelwa kwezempilo ngaphansi koMthetho Wecebo Lokuhlinzekwa Kwezokunakekelwa Kwezempilo ngaphansi kweKnox-Keene Health Care Service Act (Health and Safety Code 1340 et seq.) Kanye nemithethonqubo kaKhomishani (CCR Section 1300.40 et seq .). UMnyango usithathela phezulu isicelo ngasinye sosizo (? RFA?). Ama-RFA atholwe nguMnyango abuyekezwa hhayi kuphela maqondana nodaba ngalunye, kodwa ngeso elibheke ezinkingeni ezingaba khona zesistimu futhi. Ukubuyekezwa kwe-RFA kuyinto ebalulekile emizamweni yonke yokulawula yoMnyango.
      UMnyango ubuyekeze noma ubuyekeza wonke ama-RFA ahanjiswe ngumndeni wakwaGodfrey. Icala likaJosephine Godfrey labuyekezwa nguMnyango Wezokuphoqelelwa Komnyango. Lokhu kubuyekezwa kufaka phakathi, kepha bekungagcini lapho, ngokuhlolwa kwamarekhodi ezempilo afanele, izingxoxo nabasebenzi bohlelo, kanye nengxoxo ebanzi nomndeni wakwaGodfrey. Ngenxa yalokhu kubuyekezwa, i-Enforcement Division yanquma ukuthi uCigna wayekhulume ngezikhalazo zikaNkk Godfrey ngokwenelisayo futhi wasungula namasu okuxazulula lezi zinkinga.
      Ngokuphathelene ne-RFA kaChristopher Godfrey, uCigna uvumile ukuthi (Igama Lomuntu Okhishiwe) I-RN itholakale kubo bobabili uMnu noNkk. Godfrey ukubasiza ekuxhumaniseni ukunakekelwa kwabo kwamanje futhi baxazulule noma yiziphi izinkinga abangahlangabezana nazo. Womabili lama-RFA asevaliwe manje. Kodwa-ke, imininingwane ekulawa ma-RFA kanye nawo wonke ifakiwe emithethweni eqhubekayo yoMnyango yokuqinisekisa ukuhambisana kohlelo lwezempilo noMthetho we-Knox-Keene.
      UMnyango wabelana ngokukhathazeka kwakho mayelana nalokho okuthiwa yi-gag? imishwana kwizivumelwano zabahlinzeki. Muva nje uMnyango ubufuna uhlelo lokususa isigatshana kuzinkontileka zawo zabahlinzeki esibophezele umhlinzeki ukubeka lolu hlelo ekukhanyeni okuhle.? Ekuxhumaneni kwabo bonke abanamalayisense muva nje, uMnyango uthe:? Udokotela ngamunye onenkontileka kanye nomunye uchwepheshe wezokunakekelwa kwempilo kufanele akwazi ukukhuluma ngokuthembeka ngezinto ezithinta impilo nenhliziyo yesiguli ukukhuthaza ubudlelwano bendabuko bokuthembana ukuzethemba phakathi kochwepheshe bezokunakekelwa kweziguli nabezempilo.?
      Sengiphetha, ngifisa futhi ukugcizelela ukuzibophezela koMnyango ezigidini zabantu baseCalifornia ababhalise ezinhlelweni zosizo lwezempilo. Uma uneminye imibuzo, sicela ungangabazi ukuxhumana noMsizi Okhethekile (Igama Lishiyiwe) Ngokuzithoba,
      UKEITH PAUL BISHOP
      UKhomishani Wezinkampani

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    Le ndaba ngiyibhalele iziShayamthetho lapho ngineminyaka engu-14 ubudala, futhi ngifuna ukukuhlanganyela nawe.

    Ngineminyaka engu-14 ubudala futhi ngiyisisulu sokwenza okungafanele kwezokwelapha. Ngibhalela iCongress neSenate ngoba udinga ukusiza izisulu zokwenza okungalungile kwezokwelapha. Bengigula, ikhanda lami libuhlungu futhi umama ungiyise kudokotela. Ngangiphuma njalo emakhaleni futhi ngiphathwa yikhanda elibi. Ngicabanga ukuthi lokhu kuqale ngasekupheleni kuka-1992 noma ekuqaleni kuka-1993. Bathe ngiyaphila, futhi ngiyakhumbula ukuthi omunye udokotela wayephethe kabi umama nami; wayengafuni nokuxoxa ngakho. Uthe konke bekusekhanda lami, ukuthi ngilungile. U-1993 no-1994 kwakungeyona iminyaka enhle empilweni yami. Ngangingajabule. Umama wayehlala egula, ehlala embhedeni ekhwehlela, ehlala eya e-CIGNA ethola umuthi, ehlala ekhathele kakhulu. Umama wayengasafani nomama; ikhanda lami lalibuhlungu futhi lingahambi, futhi ngangikhathele ukungamhluphi umama njengoba ngangibona ukuthi wayegula kangakanani. Wayehlala ecindezelekile, ekhala njalo, futhi ehlale ekhathazeka futhi ekhwehlela. Ngangimthethisa ukuthi avale ebusuku futhi wasigcina siphapheme sonke, manje ngizwa kabi.

    NgoFebhuwari 1994, ngangicindezelekile, ikhanda lami lalibuhlungu, futhi ngaphuza amaphilisi kwikhabethe lemithi, kwakungekhona okokuqala ngikwenza lokhu, kodwa umama wayegula akazange anake. Njalo lapho ngithatha okuningi futhi ngolunye usuku umama wami wayefika ezongivusa futhi ngangingeke ngivuke, ngangikhathele kakhulu. Umama usho kanjalo, gqoka; siya eCIGNA khona manjalo. Ngaya lapho futhi odokotela beCIGNA bangibona. Bangithumela endaweni yezempilo yengqondo futhi kulezi zindawo zombili babengazi nokuthi ngenzeni. Umama ubehamba nami ngamtshela ukuthi ngenzeni. Kamuva ngalolo suku wathi angaphila kanjani uma ngifa. Umama wami ukhale ngoba ubekhathele kakhulu uzisola yena ngoba ubengenzi okwanele. Ngathembisa umama ukuthi ngeke ngiphinde ngikwenze lokhu. Umama wabiza uCIGNA waphatheka kabi ngokuthi bahluleka kanjani ukubona ukuthi ngangizame ukuzibulala, ngibabuza ukuthi bangodokotela abanjani. Umama wami wamemeza kakhulu bavuma ukunginika umzimba ophelele. Emzimbeni ekuqaleni kukaMashi, sakhononda kakhulu ngekhanda lami bavuma ukwenza ukuskena kwekhanda lami. Lokhu kuqhubeke isikhathi esingangezinyanga ezimbili nengxenye, ukuskenwa kwesinye emva kwesinye, futhi ekugcineni udokotela wathi ngidinga ukuhlanzwa isinusi sami, lokho kwakusekupheleni kukaMeyi. Umama ubuze ukuthi ngabe lokhu kuyaphuthuma, ngabe bekudinga ukwenziwa ngokushesha, udokotela uphendule ukuthi bekungaphuthumi. Umama uthe sizokwenza ngamaholide ehlobo.

    Kusukela ngoMeyi kuya ku-Agasti, umama wagula kakhulu. Waya kudokotela bamfaka kokukhubazeka amasonto ayisithupha. Maphakathi noJulayi, ngangiphupha ukuthi umama wami wayenomdlavuza wamaphaphu futhi wayezokufa. Umama wacasuka kakhulu lapho ngimtshela lokhu. Ekuqaleni kuka-Agasti, umama wangithumela e-Ireland inyanga eyodwa ukuyovakashela ugogo nomkhulu wami. Lapho ngibuya e-Ireland ekupheleni kuka-Agasti, ikhaya lethu lalinomsindo, amasonto ama-6 i-CIGNA yenqabile ukunika umama wonke ama-x-ray akhe emtshela ukuthi alahlekile. Wayesanda kuwathola futhi kukhombisa ukuthi wayenomdlavuza wamaphaphu cishe iminyaka engu-2. Umama wahlinzwa futhi kwasuswa u-2% wamaphaphu akhe. Wayenesifo somdlavuza. Ngesikhathi umama esesibhedlela, udokotela ohlinzayo watshela usingababa wami ukuthi naye akaphilile. Kwagcina ngokuthi uCIGNA anqabe ukukhipha amarekhodi kababa ongangizala amasonto amabili. Lapho beya kudokotela ongaphandle, uCIGNA ubelokhu emelapha i-asthma; unecala eliphambili kakhulu le-COPD futhi wayenokuthile ephashini lakhe langakwesobunxele njengoba umama wayenalo.

    Sahamba sayothatha amarekhodi awo wonke umndeni wethu. Lapho sibona okwami, saya kudokotela ongaphandle, ngemuva kokuphuma ngaphandle kodokotela ngiyazi manje ukuthi yini umehluko phakathi kukadokotela wangempela nodokotela we-CIGNA, futhi ngithemba ukuthi ngelinye ilanga ngiyokutshela konke ngalokho . Ngibe nenkinga lapho kuchithwa khona ithambo, lapho ithambo belichusha khona emzileni, nodokotela wathi iso lami belizokhishwa ngaphandle. Ngahlinzwa eCedar-Sinai. U-1995 awungcono kangako ngonyaka ka-1993 njengoba kubonakala sengathi abukho ubulungiswa ngazo zonke lezi zinto uCIGNA azenza kithi. Sifuna ukushintshwa kwemithetho ukuze kungabikho muntu oyophinde ahlupheke kanjena. ICIGNA ihlukumeza umndeni wethu kuze kube namuhla. Benza umama akhale amahora amaningi futhi ngiyethemba uzongivumela ngikutshele konke ngalokhu futhi. ICIGNA kufanele futhi yazi uma abazali bami beshona, ngizoya kuphi, futhi kuzokwenzekani ngomfowethu nodadewethu? NgingumMelika, futhi lapho sengikhulile, angifuni ukuhlala lapha. Ngifuna ukuthuthela lapho abantu abalungile futhi benomusa khona. Ngizothuthela e-Ireland.

    Manje ngineminyaka engama-27 ubudala. Kodwa-ke kuyadabukisa ukuthi noma imuphi umndeni bekufanele uhlupheke ngale ndlela, futhi laba bakhohlisi nabakhohlisi babalekela ukujeziswa eMbusweni waseCalifornia.

    NGIYABONGA ICIGNA GLENDALE

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    I-Testimony Senate Rules Committe Hearing State of California ngoMsombuluko Meyi 12, 1997 ngo-2.03PM
    Ngize ukuzokwabelana nawe ngokuhlangenwe nakho kwami. UMnyango Wezinkampani uhluleka ukwenza umsebenzi wawo wokulawula, futhi okuhlangenwe nakho kwemindeni yami kukhombisa lokho. Nokuhlangenwe nakho kwami ​​ngeCigna Healthcare kuzokhombisa ukuthi abathengi bahlukunyezwa kanjani, nokuthi uMnyango Wezinkampani uzibheka kanjani.
    Isipiliyoni sami noCigna saqala ngokuhlukunyezwa kwabazali bami, nabo benza lokho kuhlukunyezwa kuwo wonke amalungu omndeni wami. Ngenkathi ngigula futhi ngidinga udokotela babezongithumela ngesikhathi, futhi ngangihlazeka ngoba imvamisa udokotela lapho babengithumela khona wayengangilindele. Ngenxa yalokho uCigna wangithumelela incwadi ethi ngingakhetha udokotela wami futhi bazokhokhela usizo lwezokwelapha. Bakwenza lokhu kanye bangabe besakhokhela usizo lwezokwelashwa, futhi ngangesatshiswa ngabaphathi bezokuqoqa ukuthi ngizobekwa icala uma ngingayikhokhi le mali. UCigna uphinde wathi ngingakhetha udokotela engikhetha yena endaweni engihlala kuyo iSanta Barbara, futhi lokhu akuzange kwenzeke. UCigna wangabela indawo yokuhlala eSanta Barbara kodwa ngenkathi ngigula futhi ngifuna ukwenza i-aphoyintimenti futhi ngabiza udokotela akazange azibuyise izingcingo zami. Lapho sixhumana nehhovisi lodokotela bathi abasasebenzi neCigna, ngoba uCigna wayengeke adlulisele lapho kudingeka odokotela.
    Ngonyaka odlule ngangidinga ukunakekelwa okukhethekile, futhi ngenkathi kwenziwa le nqubo udokotela wathi ngidinga i-Biopsy. Kwakudingeka ame phakathi nendawo athole imvume ku-CIGNA ukuze aqhubeke. Udokotela uthe lezi zinqubo ezimbili bezixhunyanisiwe futhi ubengakaze alindelwe ukuthi enze i-MEDICINE ngale ndlela phambilini. Ngemuva kwale nqubo lapho ngikhononda eMnyangweni Wezinkampani ngalokhu uCigna waziphika izinsolo futhi waphendula ngokuthi udokotela wayenephutha. Kusukela ngaleso sikhathi udokotela weza esiShayamthetho sakhe eSanta Barbara wathi wenza iBiopsy ngaphandle kwemvume yabo, futhi ne-akhawunti yami yesigameko ibiqondile. Udokotela uthe ngidinga ukulandelelwa njalo ezinsukwini ezingama-90 ngoba lesi bekuyisimo esandulela umdlavuza. UCigna uthe uma ngidinga lokhu kunakekelwa okukhethekile ngidinga ukuya kudokotela wokunakekelwa okuyisisekelo ukuze ngiqiniseke ukuthi ngiyakudinga, base benginika uDokotela wokunakekelwa okuyisisekelo eSanta Maria, ngisho naseSifundeni esifanayo, nangaphezulu ukuthi ngehora ngisuka lapho ngihlala khona.
    Ngingumfundi ngiya e-UC Santa Barbara, futhi anginazo izinto zokuhamba. Akuyona inketho esebenzayo., Futhi noMnyango Wezinkampani esikhundleni sokungisiza, waba nomuntu waseCigna owayephethe ukungihlukumeza nokuphazamisa ukwelashwa kwami ​​angiphinde angishayele ucingo.

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    Ngemuva nje kokuba ne-United iminyaka eminingi inkampani yami isishintshele ku-CIGNA.Muva nje bekumele ngibe ne-MRI emhlane wami futhi ngitshelwe yi-DR.s SEcretary CIGNA kubi kakhulu ekugunyazeni noma yini.Kuthathe izinsuku ezinhlanu ukuyivuma, kepha Ngemuva kokuthi udokotela wami enxenxe ngokoqobo. Ngabuye ngatshelwa noma ngabe bayayivuma inqubo, kwesinye isikhathi bayaphenduka bayaphika bethi ayigunyazelwe imininingwane yabo, bese wena unamathela enkokhisweni. Ukwenza izinto zibe zimbi kakhulu ngitholile ucingo oluvela ku-CIGNA tonite ukubona ukuthi ngizoba nentshisekelo yokushayela u- "UMONGA WABO" ngezinkinga zamaphaphu, zenhliziyo, zangemuva, noma zamathambo esikhathini esizayo kunokuya kwi-PCP yami !! Ngabatshela ukuthi ngeke ngikhululeke ukubonwa ngocingo futhi ngiyabonga noma kunjalo. Wayephatheke kabi lapho ezwakala ukuthi angizange ngigxumele lesi sipho.

    Nginovalo impela nganoma yiziphi izingqinamba zezokwelapha zesikhathi esizayo engizidingayo ukuthi zibhekiswe ikakhulukazi ukuthi ngineminyaka engu-7 ubudala, futhi i-CIGNA ibukeka njengenkampani engakhathaleli ngemuva kokufunda imibono. bekezela !!!! Lokhu kwakhanyiswa kimi ngeviki elilodwa nje !!!!!!!!!!!

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    ngisebenzela izindiza ezinkulu ezine-cigna njenge-ins yami. ngaphuka iqolo emsebenzini, emsebenzini, ngangena isikhathi. lo mphathi wesiphanyeko ungitshela ukuthi lokhu "AKUKHO EMKHONZWENI WOMSEBENZI" !!
    ngilahlekelwe ukungena kwami ​​”ukukhubazeka kwesikhathi eside” thru cigna. kahle, ba - ugwayi wangithumela kulesi sifebe sokwelapha ngokomzimba esatshela ugwayi ukuthi bafuna ukuzwa ini. ngakho-ke, ngilala ngomhlane ngaphandle kosizo futhi ngisezinhlungwini ngingenamali. onempendulo futhi uma kukhona ofuna inombolo yocingo ongayishayela, ngoba mina bantu abadlulisa impunzi futhi kufanele ngibe nenombolo yezinombolo engizoyishayela, konke lokho akuzange kusize kodwa umfana banezinombolo zocingo !!
    Ekuphetheni, qabula imbongolo yami ngalabo abasebenza, kulabo abangenalo, ngiyaxolisa ngobuhlungu bakho nokulahleka kwempilo

  15. 23

    Umama wami useneminyaka engu-11 adlula emhlabeni kanti uCigna ungumshwalense ayenawo ngenkathi esesibhedlela ngenxa yoMkhuhlane. Ngemuva kwesikhashana wafike waba mubi esesibhedlela kepha esikhundleni sokuthi athole ukwelashwa okungcono savakashelwa yintokazi eyayisebenza esibhedlela yatshela umama nami ukuthi owami kumele abuyele ekhaya ngoba uCigna wayengeke akhokhele ukuhlala kwakhe. Umama wayeneminyaka engama-55 kuphela ubudala ngenkathi uCigna emkhipha ngesibhedlela esibhedlela. Besingazi kepha uCigna obekufanele azi ngenxa yamarekhodi ezokwelapha bekufanele athunyelwe kubo nganoma yiluphi uhlobo lokukhokha esibhedlela umama ayelinamathumbu emathunjini akhe yingakho ebopha uketshezi futhi engakwazi azimele lapho etshelwa uCigna ukuthi ngeke besakhokhela ukwelashwa. Umama wayezobuyela phakathi nalelo sonto aye e-ER egula kakhulu kangangokuthi babengeke bamthathe igazi lakhe ngoba wayezofa ngaleso sikhathi ngakho-ke wafakwa e-ICU futhi kulapho sathola ukuthi ubhajwe emathunjini ukuthi wayezodinga ukuhlinzwa kepha njengoba kungazange kwenziwe ngokushesha wavulelwa ukuthi atheleleke cishe wonke amathumbu akhe kusukela emathunjini ehleli nje ngoba umama wayengazi ukuthi unakho lokhu kodwa uCigna wakwenza lapho bemkhipha esibhedlela. Wabe esefakwa koxhaso lwempilo futhi ezinsukwini ezingaphansi kwezingu-7 kamuva ngemuva kwezinsuku eziyi-18 ngaphambi kokuba ngibe neminyaka engama-21 ubudala kwakudingeka ngisayine ukuze umama akhululwe ngokuxhaswa ngoba kwakungekho themba ngenxa yokuthi ukutheleleka kwakusakaze ngokushesha kangakanani ngenkathi aphume esibhedlela. Yibize ngokuthandayo kepha kungukubulala lapho imali noma umshwalense ofanele ubuzogcina umama wami ephila kodwa njengoba ebeneCIGNA HMO babone ukuthi akakufanele ukukhokhelwa. Kusenjalo 11years later ngisazibuza ukuthi bangaki abanye abafele ezandleni zabo.

  16. 24

UCABANGANI?

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