{"id":114,"date":"2013-12-07T03:28:40","date_gmt":"2013-12-06T20:28:40","guid":{"rendered":"http:\/\/davedub.co.uk\/davedub\/wordpress\/?p=114"},"modified":"2014-06-25T13:30:41","modified_gmt":"2014-06-25T06:30:41","slug":"the-ins-and-outs-of-obtaining-pre-authorisaton-for-medical-treatment-from-william-russell","status":"publish","type":"post","link":"http:\/\/davedub.co.uk\/davedub\/wordpress\/the-ins-and-outs-of-obtaining-pre-authorisaton-for-medical-treatment-from-william-russell\/","title":{"rendered":"the ins and outs of obtaining pre-authorisaton for medical treatment from William Russell"},"content":{"rendered":"<p>This post is a follow up to my <a href=\"http:\/\/davedub.co.uk\/davedub\/wordpress\/william-russell-withhold-treatment\/\">previous post<\/a> where I describe my disgust at the difficulty I had in obtaining pre-authorisation for medical treatment covered under my health insurance policy from William Russell. In the two months since, I have learnt a lot about the pitfalls in obtaining private medical treatment, so I decided to write a post about the ins and outs of obtaining Pre-Authorisaton for medical treatment from William Russell. I spent one month exchanging emails with a member of William Russell&#8217;s staff trying to figure out why the process was so difficult and if there was any way the process could be made easier. <\/p>\n<p>~ the questions on the pre-approval form are provably needlessly difficult to answer &#8211; all William Russell actually need is the names of hospitals, not doctors, dates etc.<br \/>\n~ pre-existing medical conditions are the problem &#8211; the two clear years clause &#8211; doesn&#8217;t just mean that you have had the policy for two years. Also, changing policy (e.g. silver to bronze) resets this period.<br \/>\n~ the amount of time it takes to obtain pre-approval can be prohibitive towards obtaining medical treatment AFTER obtaining pre-approval<br \/>\n~ need to prevent blaggers is understood &#8211; or is it &#8211; why would anyone seek treatment unless they needed it?<br \/>\n~ priorities should be: maintain profitability, provide services as promised, maximise profits. NOT, maximise profits, provide services when not able to get out of it<\/p>\n<p>Update: I have received new information regarding someone else&#8217;s claim that was turned down even though they&#8217;d had two clear years free of symptoms etc. The detail seems to be in the moratorium option. Under investigation&#8230;<\/p>\n<h2>Contact Me<\/h2>\n<p>If you have an experience you&#8217;d like to share, please feel free to contact me using this form or leave a comment below.<br \/>\n<!--\n    \/*\n        This file is part of Davedub's Contact Form plugin for WordPress\n\n        Author: David Wooldridge\n\n        Davedub's Contact Form plugin is free software: you can\n        redistribute it and \/ or modify it under the terms of the\n        GNU General Public License as published by the\n        Free Software Foundation, either version 3 of the License,\n        or (at your option) any later version.\n\n        Davedub's Contact Form plugin is distributed in the hope\n        that it will be useful, but WITHOUT ANY WARRANTY; without\n        even the implied warranty of MERCHANTABILITY or FITNESS FOR\n        A PARTICULAR PURPOSE.  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