Mood:
chrissinlongisland is
dealing with allergic reactions.
About Me:
Female, 39, suffolk - NY, member since Nov 2007
Trying to hold it all together.  Love the outdoors, my husband of 18years and my two teenage kids.
Interests:
newly dx MS, Hx Ov Cysts, T7 & T8 disk prob, endometriosis  
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Work probs, and now I get an insurance denial

Nov 20, 2007 01:25PM - 1 comments
Tags:

insurance



Today was an incredible horrible day.  First I am looking over stuff done while I have been ill and the amount of errors is unimaginable. I get home only to find out my insurance has completely denied my hospital stay. I was there 8 days with IV's and all sorts of tests. Finally, it came out to be MS. With the way I felt,I certainly cannot sign myself out. AMA..my doc would have protested.   Even after I was discharged, I was still unable to walk correctly. Using a walker, and completely unbalanced I struggled at home the first couple of weeks. Now my insurance feels this entire stay was completely unnecessary and I could have been cared for as an outpatient. That is soooooooooo not true. I had so many issues.  But, why am I kidding myself again.  I did have emergency gallbladder op, last year in fact, and they thought it was unnecessary then. Maybe I was expected to have that preformed at home, or in the doctors office. Yeah right, I'd be in a box right now, about 6ft underground. Insurance really makes the sick fight  for coverage. All these years prior I didn't need them much, now that I  do, they deny me the benefits I paid for.  They have got there premiums for over 10 years. And that's more than they have paid out.

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by Sunny602, Nov 20, 2007 04:31PM
Ah insurance companies...I could rant for days about them!!! I think that it is horrible that insurance companies basically control the healthcare we receive. They dictate to the doctors what tests will be covered...I have even heard of docs being reprimanded for ordering too many costly tests (such as MRI's)!! I am on Medicare and like anything that is controlled by the government, it becomes much like a crazy maze with the ellusive bite of cheese to get things approved or covered. So many turns and twists that oftentimes wind up in a dead end. I have definitely had my share of ins. related horrors. For instance, medicare covers my stay in a hospital when I receive IV antibiotics. Okay, fair enough....but here is where there is a problem, they don't cover home IV's. I am usually on IV's for two weeks at a time, so you can imagine the costs that are racked up. Not to mention the increased risk for getting another infection while being in the hospital. Medicare would save so much money if they covered more home care scenarios...
Okay..off of my soap box...LOL
I would appeal the hell out of your insurance company...that is crazy that they won't cover your inpatient stay for your MS. I hope that this is resolved soon for you...Hugs, Sunny :)

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