Question:
Denied, Appealed, Denied. Now What?

I have been denied by my insurance, appealed, denied again, took it up with the Human Resources, denied again. Said this is the "FINAL DECISION". I am desperate, which way do I go from here?    — Karen B. (posted on September 23, 2002)

September 23, 2002
Karen, You may want to try a supplemental insurance if you can afford it. If you are married, what insurance does your spouse have.
   — Sabrina H.

September 23, 2002
When a policy has an exclusion like yours does then you can be sure that they are not going to budge. I would change your insurance company and switch to a private policy. The key when switching is not to cancel one policy until you get another. If you have continuous coverage with no lapse in between them then you are not considered to have a preexisting medical problem. Hence you should choose a company that does cover this type of procedure. Even when paying insurance premiums it is cheaper then paying for the full surgery. Your deductable depends on which policy you choose and how much your premium is. If your birthday comes before your husband's then you may consider getting insurance in your name and keep your husband's as a secondary. They most likely would cover some hospital expenses even though they do not cover the surgery. There are insurance brokers who can help you find the best one to go with. Hang in there the best you can. Some journeys entail more hills to climb and valleys to hurdle, but in the long run you will make it to the other side.
   — Sue A.