When my youngest daughter was born my husband was in the middle of a bad health period with his MS. He was unable to work and required treatment at Mayo Clinic in Jacksonville. We were incredibly thankful for his disability insurance because it continued to make our health insurance payment and provide us with a portion of his salary until his doctors were able to release him to return to work. What a blessing insurance can be in a time of need, or so we thought, until they suddenly dropped us. When we neared the end of our term limits, they started requesting more and more paperwork from us and his doctors. We sent everything we had access to — but it seemed like they continued to want more. His disability insurance ended because they said his doctors didn’t provide them with enough information. When they did this, they back dated our health insurance coverage to two days before he started treatment at Mayo Clinic; some three months earlier. He was in treatment at Mayo three-four days a week and was now no longer able to continue. To make matters worse, the entire three months of weekly treatments and testing suddenly became 100% our responsibility.
How can covered medical treatment suddenly be our responsibility?
We begged, pleaded, and appealed the decision with no avail. What I wouldn’t have given to have someone on my side through all of this. We spent hours on the phone, hours in conference calls, was reassured time and time again by the insurance company that the matter was being resolved. It wasn’t.
Recently, I met with the marketing and development team from a company called Fairos. When I told them our story they were floored. THIS, among many others, is the exact thing they are hoping to prevent anyone from going through. Because our situation isn’t a minor matter. It’s devastating. My husband has received no care and treatment for his MS in two years, he wasn’t able to return to work, and we now owe tens of thousands of dollars in medical bills. To Fairos, that’s unacceptable.
Fairos is a brand-new startup looking to change what’s broken about medical insurance. Their team has been working with large companies to help their employees get the cheapest rates and the highest quality care for years. In that process they realized that no one paying more for insurance than individuals like us. They believe that is wrong, and plan to do something about it.
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