General Discussion
In reply to the discussion: This message was self-deleted by its author [View all]questionseverything
(9,646 posts)i still do not think you won anything outside the scope of your language
the first example is closest since the drug you wanted was experimental but the treatment you and your doc wanted saved them a week plus of cost for in patient hospital charges
the second example, if pre cancerous was well with in your language to be covered
the anesthesiologists example rings a bell with me because I had to fight insurance companies for same except we had no network to bind us but ins denied it over and over, first saying it was included in surgeons bill, then saying that they had already paid for it (when actually they had just paid for the supplies), then they said the hospital billed them wrong..... so while I had insurance gal on cell phone I drove to the hospital went to billing clerk handed her phone after explaining to clerk the problem was her....she ripped that insurance gal a new one (in a very polite professional way) and when she got off phone it was covered
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our entire convo here is sad, what you are describing is how insurance deliberately denies what they rightly should pay (imagine how many people do not fight them and just pay it)
I am not sure why you are defending this system, I guess if you think it's good enough for you and yours you have a right to think that way....I do not agree
out of curiosity, with all your families medical issues how were you buying insurance before the aca? was it thru an employer?
because my house does not have anywhr near the medical problems you have described and we were priced out long ago