In discussing Tom’s tale of insurance woe, several people quipped that we should have insurance for your insurance. You know, pay a small monthly deductible so that in the event of emergency where your insurance company refuses to pay up… CR, who works for a claims adjustment and management company, says:

“Its called re-insurance and most of it comes from Lloyds of London who will pay claims that are deemed covered, but will take there time to do so. I’m sure that a clerical error would constitute an error under CIGNA’s Errors and Omissions coverage (E&O).”

“The only problem is getting that info to submit a claim is nearly impossible.”

Moral of the story: don’t get sick.

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