11-21-2016, 10:06 PM
davewill Wrote:This reminds me of a dental insurance policy I once had which covered two cleanings per year. Since I have always done three cleanings a year, this should mean I pay for only one each year, right? Wrong. They insisted that cleanings could be no close than six months apart. So I had to pay for every other cleaning. Even if I were to limit myself to two cleanings per year, unless I could carefully schedule them exactly six months apart, they were stretching the schedule out to slightly longer than two per year. There was no purpose to the rule except to lower their payouts.
This is exactly the same thing. No matter how carefully you schedule your tests, sooner or later (sooner with this rule) you will be unable to use one or both of your tests in a month because it becomes impossible to schedule two within the billing cycle. Heaven forbid you actually have to schedule time for study in there.
You could still study in-between, their goofy schedule won't stop you from doing that.
But I agree this makes no sense. It would stop me from using them.
For your dental, you could always go to the dentist and say "don't run this through my insurance" and then your insurance company wouldn't even know. Mine is also once every 6 months, but I go 4x a year, so they always just have me pay every other time, and my insurance isn't even involved in the process.
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