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Insurance Watch 2007

  • Nov. 2nd, 2007 at 1:09 AM
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Let us all remember that today is November 1st. My supposed surgical date? November 15th, two weeks from today.

That said, I checked in with Kim in Pomp's office just now. Last week she told me that my insurance company had denied coverage because 1. why not a Massachusetts surgeon? What's with the New York City? and 2. the BPD/DS is considered by them to be investigative, and therefore an uncovered procedure. The means of addressing these concerns were 1. insurance company lady was going to research surgeons who do the BPD/DS in Massachusetts, and 2. Kim and Dr. Pomp would pen and fax in a letter explaining the medical necessity of the procedure because of my high BMI, backing their assertion with copies of relevant medical journal articles.

I was to check back around Monday of this week to see what insurance lady had to say, and secretly? To make sure Kim had faxed the letter. I was in their building in the city all day Monday, but was in various testing areas until office hours were finished, so no contact that day. I called several times Tuesday, and even more times yesterday, leaving an initial message for Kim to call me each day, then just continuing to try to get through to her. No dice. I called today, and she answered the phone. The insurance lady has come to the same conclusion as I, which is that there are no surgeons performing the BPD/DS in Massachusetts. Quelle surprise. The letter that was to have been faxed in this past Monday? Not faxed.

So, there is a draft of a letter sitting on Pomp's desk (supposedly), which he won't see until next Monday because he's out of the office. That will theoretically be approved and faxed in to the insurance company then. The turn around time from the insurance company? Hopefully just a few days. Which would put us at one week away from the surgery date. At which point they could still come back with a denial.

If I was not on antidepressants, I would have my head in a giant bag of cheap candy right now. As it stands, I'm going to go Jiffy Lube my car to cheer myself up and spend any cash that could have been spent on food.

I did ask Kim what the next step is, if I receive another denial. Apparently at that stage, Kim calls the insurance company and makes an appointment for Pomp to have an actual (phoned in) mano a mano with the deciding doctor at the insurance company. So we're not at the end of the line. But I'm nearly at the end of my Virgo-y calendar-based anxiety rope.

Comments

( 20 comments — Leave a comment )
[info]stacycat69 wrote:
Nov. 1st, 2007 06:51 pm (UTC)
i hope it goes well for you!
[info]the_new_perfect wrote:
Nov. 2nd, 2007 01:38 pm (UTC)
Thanks. Me too!
[info]sarahetc wrote:
Nov. 1st, 2007 07:04 pm (UTC)
Gawd. Good for you for coping and remaining upright. At least you've got recourse and procedure. That's helpful. And bravo for you for not strangling the person who hasn't sent in the fax.
[info]the_new_perfect wrote:
Nov. 2nd, 2007 01:39 pm (UTC)
My arms aren't long enough to reach her neck. And anyway, they're really busy, and that busyness may well be with people who are all in the same position as I am.
[info]nadalia wrote:
Nov. 1st, 2007 07:15 pm (UTC)
I hate that these people don't follow up like they are supposed to.
[info]the_new_perfect wrote:
Nov. 2nd, 2007 01:39 pm (UTC)
Boy howdy, me too.
[info]athenalaughed wrote:
Nov. 1st, 2007 07:29 pm (UTC)
ARG!!!!!!!! <---is outraged and ulcerative on your behalf.
[info]the_new_perfect wrote:
Nov. 2nd, 2007 01:40 pm (UTC)
Honey, don't get an ulcer on my behalf. I'm all about the digestive health.
[info]lizsybarite wrote:
Nov. 1st, 2007 07:50 pm (UTC)
That's just crapadoo. Ugh @ bureaucracy. I'm crossing everything for you. And here's my icon.
[info]the_new_perfect wrote:
Nov. 2nd, 2007 01:40 pm (UTC)
Fist clenching fury! Your icon speaks my truth.
[info]phinnia wrote:
Nov. 1st, 2007 07:56 pm (UTC)
*hughughug* I hope they manage to get their heads out of their asses sooner rather than later. You deserve better than this.
[info]the_new_perfect wrote:
Nov. 2nd, 2007 01:41 pm (UTC)
They're not being jerks, they're just not taking care of ME the way I want to be (NEED to be). Sometimes I'm not the main character, and I hate that.
[info]mirrormargaret wrote:
Nov. 2nd, 2007 03:28 am (UTC)
Jee ... sus ... christ.

I'm so impressed that you are moving ahead, and aren't even into the cheap candy. Way to go. And hang in there.

:: SNURG ::
[info]the_new_perfect wrote:
Nov. 2nd, 2007 01:43 pm (UTC)
Well, I dove into the candy Halloween night. And frankly, it was delicious. The next day I threw all remaining sugar far away. My stress control is not magical these days, but I'm doing my best. I went to bed at 8:00 last night just to stop the day from going on anymore.
[info]omcintyre wrote:
Nov. 2nd, 2007 04:40 am (UTC)
It's situations like this that proves to me just how emotionally well balanced you are, just how fucking nuts I am. You're calm about this, and I'd be decapitating people like a bad rendition of Christopher Lambert in "Highlander".

Seriously.. have you had the "Come to Jesus" talk with them yet? Because, you need to. They need to understand that they are fucking around with people's lives here.. with *your* life.. and it's SO not cool.

If you don't want to have the conversation, I would be more than happy to.. I'm in the mood to mow down people over medical red tape right now. You just say the word..

Seriously.

*hugs.. lots of 'em*
[info]the_new_perfect wrote:
Nov. 2nd, 2007 01:47 pm (UTC)
I'm so not peaceful about this the way I want to be, all zen-masterish. I ate a bunch of candy Halloween night, and I'm not ridding myself of fear and frustration: I think I'm stuffing it down and ignoring it, so I'm thinking that I'll be blowing a gasket if this continues on and on. My eating has been terrible, and I'm gaining weight. I'm frustrated with myself that my first head-butt with stress has thrown me off course.

But if I hired you to take a nutty on them for me, would you wear a kilt?
[info]carryaway wrote:
Nov. 2nd, 2007 07:50 am (UTC)
Your patience is impressive. I had it easy on the approval thing. I was approved in two weeks without having to make phone calls to check on progress. I called to check out progress and they're like, "oh honey, you were approved." I hope it moves along a bit faster and you get your surgery in two weeks. That would be wicked exciting, but if not, have faith. If there's a will, there's a way.

*hugs*
[info]the_new_perfect wrote:
Nov. 2nd, 2007 01:49 pm (UTC)
I have no choice. I could stamp my feet and get all hissy, but then I'd just be doing that into the void while I still wait for things that I have no control over. I hate feeling out of control, but even more than that I hate appearing to be out of control.
[info]bestboy wrote:
Nov. 2nd, 2007 12:19 pm (UTC)
Try not to see the Nov 15th day as a permanent deadline... they can push that back if they have to, and I'm sure they have issues with insurance companies all the time...

are you stuck with just one insurance company? it might be worth researching how other companies view DS surgery, and see if you have any way of getting covered under one of those companies (we have I think 3-4 options at work)

you're doing great just hang in there :-)
[info]the_new_perfect wrote:
Nov. 2nd, 2007 01:52 pm (UTC)
That's a good idea about the actual Nov. 15th date.

Unfortunately, I am wed to the insurance I have because I don't have insurance through work, and there are very few options for individual purchasers in Massachusetts (because of the laws here). I have state insurance because of how little I earn, and in general, it is excellent coverage. This is just a sticking point.

Thanks for the "hang in there." Plus, every time I see your icon, I feel a little extra happy. She's the cutest girl on TV.
( 20 comments — Leave a comment )

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