INSURANCE COMPANIES IN GENERAL

MY COMPLAINT IS WITH INSURANCE COMPANIES OF ALL KINDS. WE PAY BIG DOLLARS TO COVER OUR HEALTH AND PERSONAL PROPERTIES IN THE EVENT THAT SOMETHING UNFORTUNATE SHOULD/COULD HAPPEN. IF YOU ARE LATE WITH A PREMIUM PAYMENT, THE INSURANCE COMPANY HAS NO PROBLEM CANCELLING YOUR POLICY. HOWEVER, WHEN SOMETHING UNFORTUNATE DOES HAPPEN AND YOU HAVE TO FILE A CLAIM, THEY ARE IN NO HURRY TO PAY OUT OR EVEN TO COVER WHAT NEEDS TO BE COVERED. THEY TRY TO FIND THE TINIEST LOOP OF A REASON WHY THEY SHOULDN'T HAVE TO PAY IT. AS FOR HEALTH INSURANCE, THAT IS A LAUGH AND A DISGRACE TO OUR COUNTY THE WAY OUR GOVERNMENT ALLOWS THE MEDICAL INSURANCE COMPANIES TO GET AWAY WITH WHAT THEY GET AWAY WITH! IF YOUR DOCTOR SAYS THAT YOU NEED A PARTICULAR MEDICINE, TEST, SURGERY, ETC., THEN YOUR INSURANCE COMPANY SHOULD COVER IT. WHO ARE THEY TO SAY THAT YOU SHOULD TAKE A DIFFERENT KIND OF MEDICATION THAT "WORKS JUST AS WELL AND IS CHEAPER" (FOR THE INSURANCE COMPANY). THEY ARE NOT DOCTORS! THEY HAVE NO MEDICAL TRAINING. WHO ARE THEY TO SAY THAT YOU DON'T NEED A PARTICULAR SURGERY BECAUSE THEY BELIEVE IT TO BE "COSMETIC" SURGERY. A VANITY ISSUE IN THEIR OPINION, WHEN IN FACT IF YOU DON'T HAVE THIS SURGERY, YOU WILL HAVE OTHER "EXPENSIVE" MEDICAL PROBLEMS THAT WILL EVENTUALLY LEAD UP TO A MORE SEVERE MEDICAL PROBLEM OR EVEN DEATH IN SOME SITUATIONS. WHAT REALLY TICKS ME OFF THE MOST IS THAT THE INSURANCE COMPANIES ARE ALLOWED TO CONTROLL OUR MEDICAL CARE! THEY DON'T KNOW ME! THEY DON'T KNOW WHAT I NEED! MY DOCTOR DOES, AND WHAT HE SAYS I NEED, I SHOULD GET SINCE I PAY FOR MEDICAL COVERAGE! WAKE UP AMERICA!!!!! SIGNED, T.WEST