yunnanababy
Experienced Poster
 
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My daughter had her surgeries in October 2009
Posts: 137
Indianapolis, IN USA
Gender:
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Karen,
I am so sorry that you are having to go thru this and that the insurance company couldn't have communicated in a more timely manner. If you feel at all as I did in a similar situation, you are probably feeling as though you need to be focusing all of your energies on helping your son get through this, and to have to battle the insurance company is so distracting and upsetting.
I won't go into all the details of my insurance struggles here, but will offer that perhaps, if your HMO insurance is obtained thru your employer, if at all possible, it might also be helpful to have your employer involved in supporting your appeal.
My boss ended up going to bat for my daughter, and because he is well-respected by all in our health system (I work for a health system that competes with the other local health system where our surgeon of choice practices, and of course was out-of-network for us, with 0% coverage by the HMO for any out-of-network services), he was able to bring to bear considerable influence on the system Medical Director & HR executives, which finally resulted in me being allowed to change my ins plan mid-year, to the one that provided for some out of network coverage. So, even though I ended up owing tens of thousands of dollars more than I would have had the appeal been approved for out-of-network coverage from the HMO, we still got to have our surgeon of choice, without having the burden of the crippling medical bills the out-of-network surgery would have resulted in. (There was absolutely no possibilty that the in-network surgeon would have ever been allowed to touch my child - he told me he had done "about 6" MM surgeries in his 15 years of practice - so we were going to Dr. Smith, one way or another.)
Just wanted to share what ended up tipping the scales in our favor in case it might also be an option that could help you, and will be praying that these issues are resolved for you as quickly and as easily as possible.
Best regards,
Jennifer
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