Question:
My surgery is 2/25 and my insurance denied me the benefit of it?
— Luisa H. (posted on February 19, 2002)
February 19, 2002
Could you re-word this question?
— [Anonymous]
February 19, 2002
I am scheduled for surgey on the 25th of February, today the 19th they
denied me the benefit of living. Their denial department does not speak to
patients directly, only to doctors. I wish my husbands company had kept US.
Healthcare, I would not be dealing with heartless and ignorant people. I
can't even climb stairs to my bedroom without been out of breath, I am
literally dying and they are denying my RIGHT TO LIVE.
— [Anonymous]
February 19, 2002
I don't want to sound harsh, but insurance companies DO NOT OWE US
ANYTHING. I understand that you are pissed, but you can always appeal this
decision, and you may win. But stamping your foot and putting it in such
histrionic terms is not the best way to handle it. And yes, this is
bitchier than my usual sound advice, so I am signing it anonymously...
— [Anonymous]
February 19, 2002
If you feel that strongly appeal. If that doesn't work hire a lawyer and if
that doesn't work take out a loan or second mortgage. I wish you all the
luck in the world
— Robert L.
February 19, 2002
I had to change my date while I worked through an appeal don't dispair keep
fighting.
— Candace F.
February 19, 2002
I had to change my date while I worked through an appeal don't dispair keep
fighting.
— Candace F.
February 19, 2002
Here's my 'broken record' on insurance issues. Your insurance must put in
writing to you why you were denied. If they refuse to give it to you
directly, call your state's Insurance Division. Does the policy have an
exclusion? If not, make sure that all the paperwork that was supplied to
them was accurate. Make sure that the codes the doctor's office supplied
were the right ones. In your letter of appeal, keep it short, answer just
the issues they denied you for. Do not write a long letter detailing all
the non-medical problems you have. I'm talking about fitting into chairs,
being unable to buy nice clothes etc. You should focus on your medical
problems, high blood pressure, diabetes, back pain, sleep apnea, etc. Good
luck.
— garw
February 19, 2002
dear anom, yes, you are right that our insurence company doesnt owe us
anything, but may I add that mine is paid 880 dollars a month, to care for
my family. (280 a month from me and 500 from my employer) Most monthes,
they dont pay out anything, not a dime, maybe a chropractor here, a trip
the ER there, etc. Otherwise, nothing. But, say that for ten monthes,
nothing happnes, thats 8,880 dollars that I paid them for nothng. Thats my
risk. The fact that I need help, to be the best person that I can be, and
need a surgery to facilatate that, thats thier risk.If insurence companies
didnt MAKE money, they would be out of business, and, if they would not
have realized already that they save money in the long run approving these
surgerys, they wouldnt keep approving them, they arent dumb! Plus, if they
were losing money on us, they couldnt afford the ten story glass buildings
that they all seem to own. Ps, on a personal note, lets be a little kinder
here, this surgery means alot to everyone. Maybe even yourself(you didnt
post wether or not you had the surgery or not, and if you were a self pay,
or not)But if you did have surgery, think back to the excitement of a new
chance at living, and how scary and frustrating that would have been if you
had been denied. Maybe the post was a tad dramatic, but who isnt at times,
exspecially when we are hurt. Give me a glass of wine, and I become
Shakspere, Fred Sandford, and Oprah all in one.God bless you all, good luck
to us all, and keep your fingers crossed for me this week, as I find out if
Im approved or not.xoxoxoxxoxooxoxox
— amy T.
February 19, 2002
Anon--Do you even know what histrionic means? The poster only posted a
very short sentence and you attacked her. Maybe you need to have your
first or last cup of coffee for the day before you post to the board. I
really wish that people could not post anon. It is very cowardly to do so
simply to attack another person. If you want to post something personal
about yourself that is one thing, but what you have done in your post is
really just out right rude and unkind. Get A Life Anon--May God Bless and
Keep Us All.
— Faith Pureson
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