Heartbroken...Denied Level 1 Appeal

January 14, 2002

Hi

I am going to vent a little to prevent me from calling the insurance company in a ruckus. We were denied again for what Anthem BC/BS is calling investigational in all cases still. I convinced myself that this would be approved. At the same, we received a collection letter DEMANDING payment of a bill from where was in the NICU, and another collection letter from a credit card bill. I call this bad news Monday. is doing so well with his band, I hate to have to give it up because we can't pay. I feel so sad about this situation. I also feel sad because deserves much better then to see his parents stressed out over financial matters. What's even worse, is that we are to blame for our financial mess. I will appeal again but I feel so hopeless since they will deny it again for the same reason. I wrote to the credit card and told them my situation and I was hoping that they would work out an payment option. On top of all this..I received a speeding ticket the day we took down to Charlotte. I just wish something would work out. I apologize for venting but it was just a BAD NEWS MONDAY.

s

Mom to

January 15, 2002

,

I'm so sorry to hear that you're having such a bad day. Don't give

up fighting your insurance!! We've had quite a few parents who

eventually won the appeals process even after their child had

graduated from the helmet/band. You are doing the right thing for

, and don't let the denials cloud your vision of that! You are

a wonderful mom doing a great job, and couldn't ask for more!

Good luck , hang in there!

Niki

Kaylie & DAnny (STAR grads)

Phila., PA

> Hi

>

> I am going to vent a little to prevent me from calling the

insurance company in a ruckus. We were denied again for what Anthem

BC/BS is calling investigational in all cases still. I convinced

myself that this would be approved. At the same, we received a

collection letter DEMANDING payment of a bill from where was

in the NICU, and another collection letter from a credit card bill.

I call this bad news Monday. is doing so well with his band,

I hate to have to give it up because we can't pay. I feel so sad

about this situation. I also feel sad because deserves much

better then to see his parents stressed out over financial matters.

What's even worse, is that we are to blame for our financial mess.

I will appeal again but I feel so hopeless since they will deny it

again for the same reason. I wrote to the credit card and told them

my situation and I was hoping that they would work out an payment

option. On top of all this..I received a speeding ticket the day we

took down to Charlotte. I just wish something would work

out. I apologize for venting but it was just a BAD NEWS MONDAY.

>

> s

> Mom to

January 15, 2002

In a message dated 1/14/02 1:20:48 PM Pacific Standard Time, gerald2399@... writes:

I hate to have to give it up because we can't pay.

If you have already had the helmut fitted, why give up? The company who made the band won't 'take it back' anyway right? Don't give up. I am in the same boat. We paid cash for elizabeth's band and am fighting a 2nd level appeal right now. I will take this before an independent medical review if necessary and if that doesn't work, I WILL get some help from an attorney. Jen

January 15, 2002

:

Don't blame yourself for your financial situation. It's noone's

fault that was born early & HAD to receive intensive care for

so much time. You had no alternative for your son's life. Most of

us have had bad financial times in our lives. Slowly work at what

you can & you'll recover

TRY not to let it get you down. It's only money, the important thing

is that your son is healthy thanks to his great parents!

As for the insurance, keep up with that appeal process. I know how

you feel, it is so frustrating. Don't give up the fight.

Debbie Abby's mom DOCGrad

MI