Wednesday Oct. 15th 2008 Marks Improvements and Insurance Problems

Mark has started to be more aware of everything around him. He definitely knows who we all are. He is starting to look outside his room when people walk by in the hall. He doesn't like it when they give him shots in his stomach for  blood thinning. He moves both hands to his stomach when they do this. This is very encouraging to us to see that he reacts to pain. He has kissed Ronnie, Mom and also his Girls. Mark has beautiful thick lips we are so happy that he is able to do this. Our whole family can't stop smiling for the joy that we feel inside.  God you know our every need and you supply it. Thank you for caring about everything that matters in our lives. 

 

 

A new day and we are finding out that Marks insurance is not sufficient for his needs the Complex Care Hospital Of Idaho District Office has felt that's Marks insurance is to much of a risk for them to take. We want to thank Kevin Spainhower for working on be half of Mark to try to get him into this facility he came over to St. Luke's Hospital to tell us in person that it was not going to happen at this time. Thank you Kevin for trying. We then moved forward into looking for a good rehabilitation Hospital. Lenny , Ronnie and I went to go grab something to eat to decide what to do next. We decided to go to the Idaho State Insurance Department to see what benefits Mark actually had with his Insurance. Then spoke to Sandy Lachowsky at the consumer of affairs Office. Sandy was a great help in explaining all of Marks benefits. We are finding flaws where the coverage falls short of all his needs. When Mark and Ronnie purchased this policy they were under the impression that they had purchased a major medical plan and they were willing to pay the 3,000 plus 20 percent of any bills that needed to be paid if anything major were to happen. Sandy then informed us the importance of looking at the EXCLUSIONS FIRST TO SEE WHAT YOU ARE NOT COVERED FOR. I believe that their should be legislation to inform the citizens of Idaho by any insurance company selling insurance to inform them of the exclusions up front and it should be signed by the policy holder. (Separate signature for exclusions required). The reason for this is so the Idah0 taxpayers do not have to pay for the short falls of the insurance because the policyholders have been misinformed. Ronnie has stated over and over again the reason that Mark and Ronnie purchased this policy was so that it would protect them in case of a major medical event. We are finding that it is insufficient. Had they known this they would not have purchased this policy. The whole reason to purchase this was to protect them and their assets. It is a shame that Idaho taxpayers have to pay for the short falls of the insurance companies when people are not covered for things that they think they are. Thank you Sandy for all your help.