Question:
How do you deal with being denied?
I just found out today that the final decision from my insurance is that they will be no longer covering Bariatric surgery.Then they tell me,"if we change our minds,you are the first in line to have it done........yeah right"I guess that was soposed to make me feel better.I am so depressed and heart-broken right now,i'm wondering how everyone else delt with being denied?? I have no way of being able to self-pay,so how do you talk yourself into not giving up?? Please someone give me some advice.Thanx in advance... — kim M. (posted on September 13, 2002)
September 13, 2002
I dont exactly have an answer for you but I completely understand your
sadness. My paperwork has been ready for about 2 weeks and I'm afraid to
send it in for fear of denial. Its like the carrott I hang out in front of
myself every day and as long its there I have a reason to get out of bed.
That otta cheer ya up a little - at least you have a real reason to be sad,
I'm just making one up.
— Mary R.
September 13, 2002
Hi Kim-I think I know just how you feel that happened to me 3 months ago it
really hurt! I had my hopes up only to have then shatered. I prayed a lot
about it. Then deciede to change insurance if I can. Well am still working
on that one. But have also researche the lap band which is muh cheap. It
can be done for about 10,000 with no referral no insurance . Most go to
Mexico to get it its less than half what it cost in U.S. check out the
bandsters website and they can give you incredible info.Blessings Sheri
Carson
— Sheri C.
September 13, 2002
i know just how you feel i just got my 2nd denial only because- no 2 yr.
dr.supervised diet...it is very sad,and frustrating to say the least... i
have 1 chance left and that is to appeal directly to my hubby's insurance
dept...i have everything they are asking for..i hope this works...
have you thought about contacting walter lindstrom?? he's a lawyer with
obesitylaw.com... maybe he can shed some light for you..i wish you the very
best of luck!! please don't give up..keep praying...the lord will hear
you...
jeanne/ca...
— jjettrox
September 14, 2002
Kim, I had several insurance companies deny me over a six year
period--that's right, I fought for six years to get this surgery! Two of
the companies wouldn't even pay for me to have a surgical consult. So, at
every opportunity, I changed insurance companies until I finally found one
that was willing. Those six years were immensely frustrating...but the
results were worth it. Switch companies, fight, keep looking for a way!
— CaseyinLA
September 14, 2002
If you are being denied, I would make sure you have a full copy of the
insurance contract and read it carefully. Many times there is actually
coverage, but it is written in such obscure language, that it is difficult
to see where the coverage exists. Also, I didn't think that an exclusion
could be put into the contract witout prior notice to all participants, or
at the annual renewal sign up period, when you get the full package to
accept or reject the insurance. Don't just take the word of a processor
over the phone, either from the Doctor's office, or the insurance company.
Make sure you see the information in writing, and seek a Legal
Professional's advice if you are unsure of the wording. Good luck to you,
and don't give up hope!
— beryl
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