Guest guest Posted April 29, 1999 Report Share Posted April 29, 1999 Hi Goose, Those idiots....really makes you stop and think. The caliber of people they hire to do the denial letters, ridiculous! Oxford reminds me of the movie (and book) the Rainmaker, by Grisham. It was the insurance company's policy to deny every claim that came in. They figured most people would not appeal, and they were right. I am so glad that you won't let the bastard's get you down. Hope you feel better real too. Hugs, Marta [Lyme-aid] insurance >From: silly_goose234@... > >I’ve felt sick as, as, well there’s no word for it, but felt lymie lately. Yesterday I was a vegetable and couldn’t even sit at my computer, but at least I can today. Who knows what tomorrow has in store for me! > >Anyways, I’m here writing because I thought you might all be interested in this lovely letter I received today. Enjoy! I hope it humors all of you that Oxford states they are denying treatment that is treatment that I wasn’ t even asking for! > >“The Oxford Health Plans Grievance Review Board has completed its review of the grievance you submitted requesting pre-certification for additional intravenous anti-biotic (anyone ever see a hyphen in antibiotic?) therapy in the treatment of symptoms reportedly associated with Lyme disease. > >After thoroughly considering all of the information available to it, the Board has upheld the denial of coverage for the treatment in question. The Board very much regrets that it cannot provide you with a more favorable response. However, the records provided do not show that continued therapy is Medically Necessary, as the term is defined in the Oxford Certificate. Please be assured that this matter was given a thorough review by an infectious disease specialist (steere?). However, our consultant found that, while the results of the western blot and ELISA are markedly positive, ten weeks of intravenous anti-biotic therapy (over a year ago, and not by Oxford) has been administered and there is no evidence of active infection. The consultant further states that continued antibiotic treatment is not indicated and this risks (i have lyme and even know that isn’t proper english) of therapy outweigh any benefits. Accordingly, the Board believes that coverage was appropriately denied. > >If you disagree with the Board’s decision, you have the right to either file a written appeal to the Grievance committee of the Board of Directors, or alternatively, the right to appear at a hearing before a committee to present your case. If you decide to take one of these options, please notify me in writing within 30 days of your receipt of this letter. If you request a hearing, a representative of the committee will notify you directly with the time, date and place of the hearing. If you wish to file an appeal solely in writing, you should submit an appeal letter to my attention and include any additional facts you believe are relevant. I will then forward the matter to the Grievance committee for consideration. > >Sincerely, (I don’t think she’s sincere!!!) > J. >Senior Grievance Associate” > >If the morons actually read my appeal, they would realize that I am not even asking for IV therapy, which they state they are denying. Also, if they read my doctors reports, they would have seen I’m too ill to appear for a hearing! Did they also not see the pages and pages of evidence? They don’ t believe in Igenex testing, LUAT, and so on. The evaluation by neurologists, infectious disease, cardiologist, psychiatrist, rheumatologist, and so on are not enough? Anyways, a very nice lady at the attorney generals offices (with whom I’ve filed complaints) contacted me and said she is contacting Oxford. We’ll see. My congresswoman also sent me a letter that she is calling Oxford. I get so aggravated too cause I don’t even think this is the treatment I want anymore. We will be changing treatment again, and do I need to go through all this again for the next prescription? It is likely I will switch insurance companies, but I first want to screw Oxford over any way that I can! The criminals. > >;o) >da goose > >------------------------------------------------------------------------ >Has ONElist changed your life? >http://www.ONElist.com >Visit our homepage and share with us your experiences at ONElist of the Week! >------------------------------------------------------------------------ >Please send privately messages unrelated to lyme. >/archives.cgi/ >/archives.cgi/Lyme-Docs >Email: -subscribeonelist >You may substitute " unsubscribe " , " digest " , or " normal " for >the word " subscribe " ( " normal " is the opposite of " digest " ) > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted October 11, 1999 Report Share Posted October 11, 1999 : Make sure that they know that Corba is for 18 months. It is a federal law. Sue AIH Wisconsin Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 2, 1999 Report Share Posted November 2, 1999 Darn Sharon...just remembered a nuance of MY medical plan...they do pay out of pocket 80% AFTER you meet your yearly deductible of about a grand per person...Does this happen to you>? B Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 28, 2001 Report Share Posted June 28, 2001 Allright! Start the ball rolling. I'm calling Dr Koop. -dz- --- Vicky <VicLea227@...> wrote: > I absolutely agree that the whole group should be > covered for a > cruise therapy as part of the combo/alternative > treatment. I am > gonna write a letter to Keystone HMO asap! > > Love to All > > __________________________________________________ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted August 8, 2002 Report Share Posted August 8, 2002 HI , Does your insurance company offer private insurance as well? We have a HMO through Blue Cross and I know that they offer different types of insurance. Eventually I would like to change Riley's insurance to a different type of policy within the company. Insuring through a different carrier might be difficult because of the pre existing condition. Good luck. xoxo, Ellie and Riley 4 poly Quote Link to comment Share on other sites More sharing options...
Guest guest Posted August 8, 2002 Report Share Posted August 8, 2002 Hi, . What I know of private insurance is that they can be expensive. My husband is self employed and when we paid for our own insurance it was $500 a month for a family of 5 (this was 5 years ago) That was just medical (no dental or eye) and no prescription card. Prescriptions were 80/20. You paid first then were reimbursed. I have worked for the past 5 years for the insurance benefits since they were raising the price of the other. When I switched to the insurance at work, they said that as long as my son had been covered in the past 30 days by insurance we did not have to wait for his pre-exsisting condition (just asthma at that time) to be covered. I am not sure if that is the law in Illinois (where we live) or if that is the companies policy. I thought they said it was the law. Before we had to wait one year before his asthma would be covered. My son is 15 and is not sure if college is something he wants to pursue. He is more interested in a trade school. I am worried about that because once he is no longer a full time student he must have his own insurance. I keep telling him to think about that and realize that he will need to have a good job with benefits if he decides not to pursue his education. You have given me something to think about and I am going to look into something for him that he can possibly carry over until he can be insured at his job. Right now I know he has about 4 more years on my insurance. Those 4 years can go fast! Could you get Adam his own policy within the group you are in somehow? I have a friend in insurance and I will ask her about that. If I learn anything, I'll let you know! Michele -----Original Message-----From: Velinsky [mailto:karen@...] Sent: Thursday, August 08, 2002 8:48 AM Subject: insurance I have a question regarding insurance ( my favorite subject) . Right now we are in a group insurance and I feel fortunate that we have a PPO policy, it makes life a little easier. I am thinking about Adam's future and would like to get him a private insurance policy that we could maintain and eventually turn over to him. The problem is with his diagnosis of psoriatic arthritis I am told he is un-insurable unless we stay in a group. Does anyone know about private insurance policies, I think certain types of jra is insurable and some are not? It is fine now, but there will come a day when my husband and I retire, then what? Thanks, V Adam 9 Quote Link to comment Share on other sites More sharing options...
Guest guest Posted August 8, 2002 Report Share Posted August 8, 2002 Hi , We have private insurance and it sucks.Our premium went up 65% after the first year.I couldnt afford it so I had to have somethings changed.We are stuck where we are at because is uninsurable due to the JRA.There are some companies that dont discriminate against things like JRA,but I dont trust them.I figure will have to go on TennCare,Tennesses equivilant to medicare.We have a PPO also and the only thing I have found good about it,is I can take to any specialist that is on the list without a referal,and if there charge exceeds the contract amount they can not bill for the differance.Good luck in your search. Becki and 4systemic insurance I have a question regarding insurance ( my favorite subject) . Right now we are in a group insurance and I feel fortunate that we have a PPO policy, it makes life a little easier. I am thinking about Adam's future and would like to get him a private insurance policy that we could maintain and eventually turn over to him. The problem is with his diagnosis of psoriatic arthritis I am told he is un-insurable unless we stay in a group. Does anyone know about private insurance policies, I think certain types of jra is insurable and some are not? It is fine now, but there will come a day when my husband and I retire, then what? Thanks, V Adam 9 Quote Link to comment Share on other sites More sharing options...
Guest guest Posted August 8, 2002 Report Share Posted August 8, 2002 Hi , In the US if you have had insurance and have not been without for over 30 days you can move right on over to another carrier without worrying about a wait for qualifying conditions. It is the law. I have done it with Joe and my special needs son without any problems. As for once they are older I will type in what my plan says which is usually pretty typical :"Enrollment may be extended past the limiting age of an unmarried person enrolled as a Family Dependent on his/her 19th birthday if the Dependent is a full-time registered student at an accredited secondary school, college, or university and under the age of 23" This can mean college, or trade school. My brother went to trade school to become a machinist and is Union and has awesome benefits, much better than mine were as a nurse. You need to call to ask your customer service rep at your insurance company and they can tell you. I've talked to ours a lot and I stay respectful and friendly and they look up all kinds of things for me, when I get ornery they do too. LOL Our daughter wants to go to an out of state church college, our plan has no coverage out of state except true emergencies so this is not going to be an option. well, I hope that she hits remission, medicated or not, so it can be a realistic plan for her but if not Washington state has some great college programs (and they keep her closer to home which I would love, although I went out of state for college so I know the desire). She is going to start a program called Running Start in her Junior jear so she can get some college classes out of the way while still in high school at no cost to us except books and supplies. She knows she needs a job with great benefits, pay is not primary issue. She wants to be a school teacher and knows that when she interviews she will have to review benefit plans as well. As for Medicaid (government sponsored health care), in the state of Washington finding a doctor who will see you is getting to be very impossible. Many doctors won't accept you and if it is your only coverage and you really want to see that specialist you pay out of pocket (my son's neurology appt cost us $900--well worth it, but medicaid is not what it says it is). And many pharmacies will not fill your prescription if you have medicaid. And it is not just the small pharmacies, it is the big chains too like Bartell's. So I have this piece of paper that says everything is covered but can't find places that will let me use it (that is why so many people get their health care from the ER). I hope you find some useful info in my rambling. Insurance is something I have dealt with a lot with a special needs son and now Joe with JRA. Since your son is 9 I would say it is good to check on but I wouldn't worry too much. The insurance system is changing so much all the time, that who knows what it will be like tomorrow. If he has coverage under your group plan keep it. If he only has a private plan (that usually doesn't pay much but costs you a ton) try to get him on a group one. don't get a secondary private plan because they will not pay out as much as you put in (I know that from my nursing experience, people would pay for these plans for years and years then when they try to make a claim forget it. Deductible and out of pockets were so high they would have been better off putting the money in a savings account). Speaking of savings if you have the money to do it, set up a savings account for when he is older to be used for his medical expenses, that way if there is a problem he will have a way to pay. e, mom to Joe 15yrs poly Velinsky wrote: I have a question regarding insurance ( my favorite subject) . Right now we are in a group insurance and I feel fortunate that we have a PPO policy, it makes life a little easier. I am thinking about Adam's future and would like to get him a private insurance policy that we could maintain and eventually turn over to him. The problem is with his diagnosis of psoriatic arthritis I am told he is un-insurable unless we stay in a group. Does anyone know about private insurance policies, I think certain types of jra is insurable and some are not? It is fine now, but there will come a day when my husband and I retire, then what? Thanks, V Adam 9 Quote Link to comment Share on other sites More sharing options...
Guest guest Posted August 8, 2002 Report Share Posted August 8, 2002 When I mentioned to my mother that I was worried about insurance in the future, she told me that one thing Clinton did while he was president was pass a bill that made it so that if you have continuous coverage, you don't have to worry about not being able to get insurance for a pre-existing condition. That means that when I am out of school or get married or whatever, I can be certain to get my own insurance despite the pre-existing condition, since I will have been covered by my parents' insurance up until that point. I don't know much about politics or insurance or anything, but I hope that helps some. Elisheva Quote Link to comment Share on other sites More sharing options...
Guest guest Posted August 14, 2002 Report Share Posted August 14, 2002 hi on the insurance thing here there is a program called Peach Care it helps kids and familys who cant afford insurance its cheap to and for a family no matter what size is $15.00 a month is under a different program due to existing health problems i am not sure if each state has their own insurance for kids but here in Georgia it helps ALOT of kids also through the companys the insurance is so high and when you have a child who has to be at alot of doctors they frown on it and raise the premiums every year theres a federal insurance that helps kids with existing health problems Clinton did one good thing in office and that was the health care for kids wait maybe that was HILLARY lolololol Robbin Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 30, 2003 Report Share Posted May 30, 2003 Diarmuld...I'm neither an insurance agent nor a lawyer..but I do know this ...... UC and PSC ar two different diseases and one is not dependent on the other ie: one doesn't lead to the other. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted March 2, 2004 Report Share Posted March 2, 2004 Hi Chriss, that's just unbelievable...a bunch of SH_T ('cuse my language)! I am outraged that you have had to go through this! you know it's just the most stupid thing I've ever heard. Regardless of whether the depression was caused by thyroid problems or not, no one should be excluded from being able to participate in an insurance plan because they've been diagnosed with depression. That's just ridiculous! I am going to have to do some digging to see if depression is covered by the Americans with Disabilities Act. I know ADHD, alcoholism, and asthma are. Of course, whether or not that this Act would have any bearing on someone getting medical insurance, well...I don't know. Sorry you have gotten screwed...Sheila Aprilcupcake@... wrote: I was part of our small business group insurance since 1989. After I was hospitalized in 1998, my husband forgot to make a premium payment ( he had alot on his mind!) They refused to renew. I tried to get new insurance after my second hospitalization in 2000. I was denied because I " had a history of depression " . I tried once again this year, just last month through Fortis. They declined it for the same reason. I am 40 years old this April. Prior to 1998 I had NO depression whatsoever. I have never been in the hospital except to give birth! I have not been sick since I was 13. How do these two incidents establish a " history " . Kind of funny how nothing like that ever happened before 1998. And nothing has happened since I have been treated for hypothyroidism. They say that my untreated hypothyroidism and my depressive episodes were not connected, yet the first they did to me upon admission to the psych-unit was to run a thyroid panel and a CAT scan. My current doctor has gotten copies of these labs, and none of them were initialed, and there was no notations as to whether or not the results were discussed with me. Given my TSH at that time, ( 3.50) my doctor would have ordered T4 and RT3. None of those were done. This whole thing really makes her boil as well, but what can you do? Chriss. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted April 22, 2004 Report Share Posted April 22, 2004 Sorry I forgot to include the " subject " in my original post. Regarding SSI, wouldn't one have to be disabled in order to go that route? The suggestion is a good one and I will explore that possiblity. pete Quote Link to comment Share on other sites More sharing options...
Guest guest Posted April 24, 2004 Report Share Posted April 24, 2004 Hi Satya, I'm fully capable to work as of right now and hope to find employment after this gig is up. I've already got a couple of good job leads. I'm just uncertain whether or not I can be refused health coverage as a result of the hepc with a new employer. Or, whether or not I can continue my COBRA after the 18 months (of paid COBRA expires). In other words, continue the COBRA on my own dime indefinately or are the time limitations to these continued group coverage benefits. I still have to do my own homework on these issues but was curious if others may have had to deal woth this issue. Thanks again and I hope you're still in good health. The SSI thing sounds like a serious pain in the ass, but I suppose if your out of options it's better than zero coverage... pete > Hi Pete, you have to prove your condition prevents you from working full time. On SSI you can work part-time and keep some or all of your benefits depending on the number of hours you work. You can claim either physical or mental disability (depression/anxiety qualify), but you have to get the right doctor who is sympathetic to your condition and who will write the proper letters. Of course things are different in different states. there are even lawyers who will help you file. You usually get denied the first time you apply for assistance, but you just need to keep re-applying. The lawyers can help with this. They probably ask you for whatever retroactive payment you get or something like that. don't forget to apply for things such a food stamps and fuel assistance, as the state will help with that also, if need be. I know a couple, both of whom are disabled, one physically and one mentally. They both get by on their SSI income. I think the state even subsidizes their rent (this is called Section 8 housing). I hope this helps. Blessings, Satya > [ ] Re: Insurance > > > Sorry I forgot to include the " subject " in my original post. > Regarding SSI, wouldn't one have to be disabled in order to go that > route? The suggestion is a good one and I will explore that > possiblity. > > pete > > > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted September 7, 2004 Report Share Posted September 7, 2004 Anne - a little personal experience with my daughter (Jill-adult) and insurance. First of all, within each insurance company, there are many many policies....and they vary quite a bit. But, this is our experience. Jill's on IV AB's...line implanted just about 3 weeks ago in Texas. Blue Cross (Oregon) has paid 80-100% of everything. We don't know how long that'll go because they haven't told us they're pulling the plug. What Jill's original plan, to the extent they could control it, was to have BC pay the first month and then Aetna take over. Blue Cross was a private pay policy-they handled their own insurance when Chip was self employed. It's worked beautifully. Now, he's with Bank of Am. and they have Aetna. The contact at Jill's home health care agency here in town provided Jill with the information Aetna uses to determine how they deal with Lyme. You won't believe it...the mentality. I hate to make all of you mad...but this will get you Lymies and their family members out there. In order for them to pay for any of the treatment, you need to " demonstrate " that you have brain lesions, have Level 2 (one isn't good enough apparently) heart block, or congestive heart failure. Her borrelia test is a year old because it took that long to find treatment and get started.....so they said that her test is too old and " how do we know you even have it now. " But, like I said, policies are different. So, that brings me to a possible source of information-hope this would work. In order to find out how individual companies treat Lyme, you might call the infusion specialist at the home health care agencies. Legacy has one, Providence, Corum and Apria (not sure of spelling of that one) are independent in that they aren't attached to a hospital. There are people at each of those who deal with the insurance part....because, what they do is if you have a doc who prescribes the IV treatment, they first submit the protocol/plan to the pharmacist. He/she prices it out and sends it back to the infusion people. Then they get going with the insurance companies to see what part is covered. THEN, they come back to you and tell you the bottom line. VERY important - do NOT let your current insurance lapse. If you can get your attorney to negotiate for insurance (are you eligible on your ex husband's policy???), that would be great. It's going to be worth more than money to you. Good luck. Hope that helped a little bit!!! Elaine [ ] insurance I have to find new insurance due to recent divorce. Also recently dx with lyme. In the book Coping with Lyme says that those she interviewed who had good coverage with iv begged her not to include the names of those good insurance companies. Does anyone have any idea how one would find out about good coverage for iv lyme. I know you could ask your doc and I haven't done this yet. But beyond that what websites, research tools, etc., might one start with?-Thank You- Anne Questions and/or comments can be directed to the list owner at -Owner Quote Link to comment Share on other sites More sharing options...
Guest guest Posted August 25, 2005 Report Share Posted August 25, 2005 That is CRAZY! Do you guys know anything about Armour? Is it better than Levoxyl and Synthroid? Is it more$$$$? Thanks --- Robyn <robyn212201@...> wrote: > That's because doctors, labs and hospitals jack up > their prices for insurance but if you are paying > cash its a lot lower. I thought that was supposed to > be illegal. I know my friend moved to Dallas, > texas, and when she first arrived she didn't have > insurance. She called a doctor to get a quote on an > office visit and it was really low. Well, she went > on medicaid for a while and when she went back the > visit was like triple what she was charged without > insurance. Its the same with your car, if you are > getting your car fixed, shops charge more if they > know your insurance company is paying for it. > > " L. on " <res075oh@...> wrote:I > have an insurance statement from Quest Diagnostics > for June 16 this > year. The bill was $412.45, but the allowed amount > was only $56.01. So > my insurance paid the $56.01 and I pay nothing. If > you don't have > insurance you would have to pay the entire $412.45 > for the exact same > service that my insurance company paid $56.01. > Something sure seems out > of line here... > > For the record, they did 1] total cortisol, 2] > assay, triiodothyronine > (is that T3?), 3] assay of free thyroxine, and 4] > assay thyroid stim > Hormone. > > > > > Message: 8 Date: Tue, 23 Aug 2005 09:26:10 -0700 > (PDT) From: Pamela > <southallp@...> Subject: Re: Recent results. I > don't know about > respected, but they sure over charge. This was my > billing: DHEA - > $151.50 Progesterone 126.50 T-3 43.00 Thyrozine > 106.20 TSH 108.25 > Venipuncture 19.50 Estradiol 158.30 for a total of > $713.25 What is > everyone else being charged? --- Jenn > <stacyjatl@...> wrote: > > >> The lab was Quest Diagnostics Nichols Institute, > I > > > > > > -- > No virus found in this outgoing message. > Checked by AVG Anti-Virus. > Version: 7.0.344 / Virus Database: 267.10.15/81 - > Release Date: 8/24/2005 > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted August 25, 2005 Report Share Posted August 25, 2005 I guess I'm lucky . I bellyache about Quest but the deal that my insurance worked out with them is whenever I have to take a test it doesn't cost me anything out of pocket. For me that's a good thing, as Martha would say, as I have to take the test every 6 to 8 weeks. Helena Quote Link to comment Share on other sites More sharing options...
Guest guest Posted August 25, 2005 Report Share Posted August 25, 2005 Hi, I was on synthroid for about 1 1/2 years and didn't get very far at all with taking care of hardly any of my symptoms so I finally found a doc. that would do different testing and put me on armour I like it so much better so far and I'm not even opitimized yet.. It cost less too.!!! take care Bev & Tina <bamachoppers@...> wrote: That is CRAZY! Do you guys know anything about Armour? Is it better than Levoxyl and Synthroid? Is it more$$$$? Thanks --- Robyn <robyn212201@...> wrote: > That's because doctors, labs and hospitals jack up > their prices for insurance but if you are paying > cash its a lot lower. I thought that was supposed to > be illegal. I know my friend moved to Dallas, > texas, and when she first arrived she didn't have > insurance. She called a doctor to get a quote on an > office visit and it was really low. Well, she went > on medicaid for a while and when she went back the > visit was like triple what she was charged without > insurance. Its the same with your car, if you are > getting your car fixed, shops charge more if they > know your insurance company is paying for it. > > " L. on " <res075oh@...> wrote:I > have an insurance statement from Quest Diagnostics > for June 16 this > year. The bill was $412.45, but the allowed amount > was only $56.01. So > my insurance paid the $56.01 and I pay nothing. If > you don't have > insurance you would have to pay the entire $412.45 > for the exact same > service that my insurance company paid $56.01. > Something sure seems out > of line here... > > For the record, they did 1] total cortisol, 2] > assay, triiodothyronine > (is that T3?), 3] assay of free thyroxine, and 4] > assay thyroid stim > Hormone. > > > > > Message: 8 Date: Tue, 23 Aug 2005 09:26:10 -0700 > (PDT) From: Pamela > <southallp@...> Subject: Re: Recent results. I > don't know about > respected, but they sure over charge. This was my > billing: DHEA - > $151.50 Progesterone 126.50 T-3 43.00 Thyrozine > 106.20 TSH 108.25 > Venipuncture 19.50 Estradiol 158.30 for a total of > $713.25 What is > everyone else being charged? --- Jenn > <stacyjatl@...> wrote: > > >> The lab was Quest Diagnostics Nichols Institute, > I > > > > > > -- > No virus found in this outgoing message. > Checked by AVG Anti-Virus. > Version: 7.0.344 / Virus Database: 267.10.15/81 - > Release Date: 8/24/2005 > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted October 14, 2006 Report Share Posted October 14, 2006 Which state do you live in? >From: " drinmystic " <DrEdFeraco@...> >Reply-medicaid >medicaid >Subject: [ ] Insurance >Date: Sat, 14 Oct 2006 01:26:02 -0000 > >My sister has anoxic encephalopathy which her commercial insurance is >soon to expire, due to the fact that she was approved for Title XIX >(Medicaid). Has anyone had the blessings of Medicaid paying for >HBOT. If so, please advise. > >Thank you, > >Dr. Ed > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted October 14, 2006 Report Share Posted October 14, 2006 Connecticut [ ] Insurance >Date: Sat, 14 Oct 2006 01:26:02 -0000 > >My sister has anoxic encephalopathy which her commercial insurance is >soon to expire, due to the fact that she was approved for Title XIX >(Medicaid). Has anyone had the blessings of Medicaid paying for >HBOT. If so, please advise. > >Thank you, > >Dr. Ed > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 29, 2010 Report Share Posted June 29, 2010 I'm going to buy new insurance soon, and I don't plan to put Lyme on the application at all. If they question that at some point, the response from you (and your attorney, you betcha) will be: " Why should I be required to report a disease you yourself don't believe exists, and therefore don't offer coverage for? " If they try to fight that, it should make a very interesting court case. I'm sorry: my disease isn't " real " enough for you to agree to pay for, but you're still going to deny me coverage on the basis of it? They can't have that one both ways. And if they're not going to cover your non-existent disease at all (and odds are they won't) then it's quite literally none of their business. Sara On Jun 29, 2010, at 3:50 55AM, lymebook wrote: > When you are getting new insurance. What do you tell them on the application since Chronic Lyme isn't really a valid DX in many medical professionals eyes? I don't want to be cancelled for lying but if I don't lie they are either going to deny us altogether or allow us but not cover my meds for however long they decide. > > I'm on a bunch of different meds for abx, pain, and such so I need those covered-I can't afford to pay for those out of pocket. My LLMD of course doesn't take insurance so they won't have to pay for that. > > Do I list my condition or just my meds? Do I just say I don't know what I have? What do you all do? > > > > ------------------------------------ > > Lyme Disease News continually updated from thousands of sources around the > net: http://www.topix.net/health/lyme-disease > > MedWorm: The latest items on: Lyme Disease > http://tinyurl.com/23dgy8 > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 29, 2010 Report Share Posted June 29, 2010 I'm going to buy new insurance soon, and I don't plan to put Lyme on the application at all. If they question that at some point, the response from you (and your attorney, you betcha) will be: " Why should I be required to report a disease you yourself don't believe exists, and therefore don't offer coverage for? " If they try to fight that, it should make a very interesting court case. I'm sorry: my disease isn't " real " enough for you to agree to pay for, but you're still going to deny me coverage on the basis of it? They can't have that one both ways. And if they're not going to cover your non-existent disease at all (and odds are they won't) then it's quite literally none of their business. Sara On Jun 29, 2010, at 3:50 55AM, lymebook wrote: > When you are getting new insurance. What do you tell them on the application since Chronic Lyme isn't really a valid DX in many medical professionals eyes? I don't want to be cancelled for lying but if I don't lie they are either going to deny us altogether or allow us but not cover my meds for however long they decide. > > I'm on a bunch of different meds for abx, pain, and such so I need those covered-I can't afford to pay for those out of pocket. My LLMD of course doesn't take insurance so they won't have to pay for that. > > Do I list my condition or just my meds? Do I just say I don't know what I have? What do you all do? > > > > ------------------------------------ > > Lyme Disease News continually updated from thousands of sources around the > net: http://www.topix.net/health/lyme-disease > > MedWorm: The latest items on: Lyme Disease > http://tinyurl.com/23dgy8 > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 29, 2010 Report Share Posted June 29, 2010 Excellent counter! ________________________________ From: Sara <srobinson@...> Sent: Tue, June 29, 2010 1:33:47 PM Subject: Re: [ ] Insurance I'm going to buy new insurance soon, and I don't plan to put Lyme on the application at all. If they question that at some point, the response from you (and your attorney, you betcha) will be: " Why should I be required to report a disease you yourself don't believe exists, and therefore don't offer coverage for? " If they try to fight that, it should make a very interesting court case. I'm sorry: my disease isn't " real " enough for you to agree to pay for, but you're still going to deny me coverage on the basis of it? They can't have that one both ways. And if they're not going to cover your non-existent disease at all (and odds are they won't) then it's quite literally none of their business. Sara On Jun 29, 2010, at 3:50 55AM, lymebook wrote: > When you are getting new insurance. What do you tell them on the application since Chronic Lyme isn't really a valid DX in many medical professionals eyes? I don't want to be cancelled for lying but if I don't lie they are either going to deny us altogether or allow us but not cover my meds for however long they decide. > > I'm on a bunch of different meds for abx, pain, and such so I need those covered-I can't afford to pay for those out of pocket. My LLMD of course doesn't take insurance so they won't have to pay for that. > > Do I list my condition or just my meds? Do I just say I don't know what I have? What do you all do? > > > > ------------------------------------ > > Lyme Disease News continually updated from thousands of sources around the > net: http://www.topix.net/health/lyme-disease > > MedWorm: The latest items on: Lyme Disease > http://tinyurl.com/23dgy8 > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 29, 2010 Report Share Posted June 29, 2010 Excellent counter! ________________________________ From: Sara <srobinson@...> Sent: Tue, June 29, 2010 1:33:47 PM Subject: Re: [ ] Insurance I'm going to buy new insurance soon, and I don't plan to put Lyme on the application at all. If they question that at some point, the response from you (and your attorney, you betcha) will be: " Why should I be required to report a disease you yourself don't believe exists, and therefore don't offer coverage for? " If they try to fight that, it should make a very interesting court case. I'm sorry: my disease isn't " real " enough for you to agree to pay for, but you're still going to deny me coverage on the basis of it? They can't have that one both ways. And if they're not going to cover your non-existent disease at all (and odds are they won't) then it's quite literally none of their business. Sara On Jun 29, 2010, at 3:50 55AM, lymebook wrote: > When you are getting new insurance. What do you tell them on the application since Chronic Lyme isn't really a valid DX in many medical professionals eyes? I don't want to be cancelled for lying but if I don't lie they are either going to deny us altogether or allow us but not cover my meds for however long they decide. > > I'm on a bunch of different meds for abx, pain, and such so I need those covered-I can't afford to pay for those out of pocket. My LLMD of course doesn't take insurance so they won't have to pay for that. > > Do I list my condition or just my meds? Do I just say I don't know what I have? What do you all do? > > > > ------------------------------------ > > Lyme Disease News continually updated from thousands of sources around the > net: http://www.topix.net/health/lyme-disease > > MedWorm: The latest items on: Lyme Disease > http://tinyurl.com/23dgy8 > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 29, 2010 Report Share Posted June 29, 2010 Sara, That was quite well written....they can not have it both ways....Regards, Dolores > When you are getting new insurance. What do you tell them on the application since Chronic Lyme isn't really a valid DX in many medical professionals eyes? I don't want to be cancelled for lying but if I don't lie they are either going to deny us altogether or allow us but not cover my meds for however long they decide. > > I'm on a bunch of different meds for abx, pain, and such so I need those covered-I can't afford to pay for those out of pocket. My LLMD of course doesn't take insurance so they won't have to pay for that. > > Do I list my condition or just my meds? Do I just say I don't know what I have? What do you all do? > > > > ------------------------------------ > > Lyme Disease News continually updated from thousands of sources around the > net: http://www.topix.net/health/lyme-disease > > MedWorm: The latest items on: Lyme Disease > http://tinyurl.com/23dgy8 > Quote Link to comment Share on other sites More sharing options...
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