Do you want to know which company to use? Ask the people who deal with insurance companies every day.
These days Humano and Palic seem to be tied for 1st place with Universal a very close second.
Universal used to be the golden standard (IMHO). I've been with them since the mid 80's.
These days they have an aggravating habit of sending someone to visit you to see how sick you really are if you are in the hospital and pressuring doctors to discharge you but I'm sure the other companies probably do the same.
I have never had an insurance company send a representative to a medical institution to either check on an employee, or myself.
This is disheartening to hear because most companies play the game of copying other's modules, and it may not be long before others attempt to follow suit. While there must be a need to monitor possible fraud occurring, invading the patient's privacy during trying times is not the solution. As well, pressuring facilities and/or doctors to release a patient prematurely is simply abhorrent.
There has been a reduction in time granted to a woman for recovery for a C-section birth. Whereas, a woman once would be granted five days, and than three days coverage from point of procedure, it is now down to as low as 36 hours.
For my employees and/or their respective spouses, I pay the difference from what the insurance policies will cover, and adding two extra days recovery time. For me this is purely a safety issue for the new mother, and I do not believe an insurance company or medical facility's financials should stand in front of a woman's health following childbirth.
