James Wight

Review of Horizon Insurance LP

I am frustrated I have to give one star. I have be...

I am frustrated I have to give one star. I have been paying for their co-pay plan (over $1,700) which is supposed to cover all medical expenses above and beyond the co-pay as long as they are medically necessary.
I had a ruptured disc that caused me to collapse because of the pain. I went to the ER and they discussed do an emergency operation, but I said I could wait until the next day when everyone was in, trying to save a little cost for the insurance company because they had been good to me up to this point. I was operated on and found out later BCBS of NJ was saying the operation was not medically necessary and they would've wanted to try additional things before they operated. ME TOO! however, the piece of ruptured disc was pushing on my spinal cord and causing damage to the innermost part of my spinal cord and slowly ruining my ability to move one of my legs, not to mention the horrific pain of having pressure on my spinal cord. Which is why it was an EMERGENCY.
After I heard this, I called the doctor and told them what had happened. They were taken back and said ..."We don't do surgery unless it's medically necessary..."
When I call to talk to their customer service, I sit on hold forever and they can't put you through to someone that can help you or at least a decision maker that has the courage to tell someone directly a decision that they made. What a waste of money and time. The next step is talking to a lawyer and pursuing litigation which will not be pretty for them.