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The insurer sent $ 33,000 to a man struggling with abuse. He used the cash to go on the binge – and died

It also enhanced his son, Joseph Hockett. her grief: She had helped him sign up for insurance to avoid the tax penalty originally mandated by the affordable spring day. "I do not realize that insurance would be part of his death," she says. Alba says her son was the last person who should have received so much money. Her son's life played a role, and she is determined to let the forces known be something to change. "I've been in a cloud of sadness for the past year and a half," she says. "I'm mad at Blue Cross Blue Shield because they gave him money that wasn't his … [and] it killed him." At that time, Alba had no idea about the Blue Cross control. It was only after the police reversed their possessions and she went through them that she pieced together the money track. Among the things she says she found in addition to the $ 33,000 check and cash withdrawal receipts for $ 7,000, $ 3,000, and $ 3,000: • A PDF on her computer showing a 6,066.14 coupon SEK from the Blue Cross in April 2017. • A check for $ 14,104 from Blåkorset in June 2017. • A spreadsheet that shows that the Blue Bullet gave him $ 73,400 for about three dozen medical departments in 2017. [19659002] "They sent the checks directly to him and did not pay the hospitals," said his mother, "as I am absolutely absurd and it is sloppy and it…

It also enhanced his son, Joseph Hockett. her grief: She had helped him sign up for insurance to avoid the tax penalty originally mandated by the affordable spring day.

“I do not realize that insurance would be part of his death,” she says.

Alba says her son was the last person who should have received so much money. Her son’s life played a role, and she is determined to let the forces known be something to change.

“I’ve been in a cloud of sadness for the past year and a half,” she says. “I’m mad at Blue Cross Blue Shield because they gave him money that wasn’t his … [and] it killed him.”

At that time, Alba had no idea about the Blue Cross control. It was only after the police reversed their possessions and she went through them that she pieced together the money track.

Among the things she says she found in addition to the $ 33,000 check and cash withdrawal receipts for $ 7,000, $ 3,000, and $ 3,000:

• A PDF on her computer showing a 6,066.14 coupon SEK from the Blue Cross in April 2017.

• A check for $ 14,104 from Blåkorset in June 2017.

• A spreadsheet that shows that the Blue Bullet gave him $ 73,400 for about three dozen medical departments in 2017. [19659002] “They sent the checks directly to him and did not pay the hospitals,” said his mother, “as I am absolutely absurd and it is sloppy and it is just ridiculous.”

 A check coupon for Joseph Hockett. In August 2017, he received a massive insurance check for more than $ 30,000. The image changes to erase personal details.

Even after his death, the money continued to come. Almost a year later, in June 2018, Blåkorset sent its property a check for $ 2 496.95.

Alba says she is aware of at least $ 56,096.85 in Blue Cross controls.

North Carolina Insurance Commissioner: This is a real problem

Doing things worse, Alba says the Blåskorset knew her son had a substance abuse problem when it sent him the money. June 2017 check for $ 14,104 came out shortly after Hockett had checked out of rehab after a relapse. Alba also has explanations for benefits that show that Blåkorset included at least one of Hocket’s visits to rehab in his last months.

Sending thousands of dollars to a person with an abuse, she says, is “like dangling a meat in front of a lion and telling him not to eat it.”

“Why would you give a person with mental health and substance abuse problems so?” She asks. “It’s countless, it’s morally wrong. It’s awful. I don’t know any other way to express it.”

Blåkorset and Blue Shield of North Carolina refused to answer questions about Hockett. The insurer also refused to discuss why it sent large checks to someone with substance abuse problems, if controls have been sent to others who are struggling with abuse, or if someone else has overdosed and died after receiving such amounts.

“While we cannot comment on the characteristics of a case of confidentiality, we acknowledge that this is a tragedy and expands our compassion on the family,” said Blue Vevka spokesman Austin Vevurka.

Vevurka said the insurance giant is trying negotiate with the network emergency or emergency care providers in excess of $ 25,000. But, he said, “if they refuse we pay the member because it is who we are contractual to pay.”

“We have applied this policy to many vendors in the state and has typically successfully negotiated payments directly to the vendor as a result, “he said.

 Jennifer Alba, right, takes one of Joseph's old Joseph's sweatshirts for his girlfriend Kristin Rowell.

It’s news to Cody Hand, a senior vice president with North Carolina Healthcare A ssociation, which represents more than 130 hospitals and health systems in the state.

Hand says he is not aware that the Blue Bulls ever negotiates with outside suppliers for payments over $ 25,000.

The Blue Cross sends the money directly to the patients “so that they can force people to their network. They are pretty much over it,” said Hand. Almost all other insurance companies pay direct suppliers directly, he said.

“Blue Cross uses the patients as a negotiating chip, “says Hand.

It’s an exercise his association wants to see change.

How does Mike Causey, North Carolina Insurance Commissioner.

” Generous insurance benefits and one-time payments with few restrictions on non-network vendors are one real problem that needs to be addressed by health insurers and legislators, says Causey in a statement to CNN.

“The current system makes it too easy for fraud to be committed and lives to be destroyed. The issue of how insurers use contractual clauses to prohibit the distribution of benefits is subject to scrutiny. Our aim is to establish guidelines that protect the consumer while insurers are given the opportunity to check healthcare costs. Our concerns are provisions that can be exploited and we are investigating ways to address this issue. “

” Can I be buried with grandma? ” its silver necklace, which is etched with the son’s name, fingerprint and heart.

A decorative wooden box containing some of her son’s ashes lies on a table on the front corridor, next to photographs of his boy over the years. The rest of their ashes are buried about an hour away.

 Jennifer Alba shows a necklace with son Joseph's fingerprint. ]

His DJ record player is unused in the garage. “It was his passion,” she says. “It was one of the few things that gave him joy.”

Her son was an outgoing person with a warm heart and angry humor, she says. In addition to his drug addiction, he struggled with suicidal thoughts and other psychological problems. He said he hated being addicted and that if he ever overcome his addiction, he hoped to become an abuse counselor. She says he once remembered trying to help a young woman addicted to heroin.

“She doesn’t listen to me,” he told his mother. “You don’t understand how difficult it is.”

“Yes, I do,” replied his mother.

Realizing that truth, he broke in tears.

Her son began spiraling at the end of January 2017, after he blindsided at a Wilmington bar. He was there meeting friends when he attacked. Someone punched him in the jaw and broke it so badly that there was a 1-centimeter break on the lower right side, according to his records. Some of his front teeth were crushed.

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