Insurance companies are crooked. In January 2010 a 60' Red Oak Tree fell across the road directly in front of me at 4:00am on a foggy, rainy morning. Anyone who saw the remains of my F-150 was amazed I survived. The investigating Trooper, the Ambulance Crew and even the Wrecker Operator all said the same thing; "God must have plans for him" as I walked away from that accident.
Six months later I called the Nationwide Adjuster to thank him for his prompt service, and to apologize in advance for the Attorney who would be needed because of Blue Cross/ Blue Shield over failure to pay. The Nationwide Adjuster set up a three-way call and basically reamed the BC/BS Adjuster for 20 minutes, threatening their own legal action on my behalf. Finally, BC/BS relented and asked me to resubmit the Emergency Care bills, totaling about $11,000. I had already paid over $3000 out of pocket to avoid action against me by various medical representatives.
Bottom Line- I have just enough life insurance to bury me, and no more health insurance than my employer requires. Those companies WILL NOT meet their obligations ! You do not even have to give them a reason to default you/ your loved ones, they just will. If your looking for some sort of compensation for your wife/ family afterwards, be sure to set aside legal funding to attack these companies.
However, if you are serious about 0% nicotine, Those who have been around the Big Thread awhile would remember "Buggs". (as in Bunny). She vaped 100% VG, 0% Nicotine. I believe she liked HHV, Velvet Vapors and Velvet Cloud Vapers. Shame she isn't around anymore, she was an asset to the Army.
There, I'm done ranting for now.....
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