“Unbelievable Insurance Nightmares: 50 True Stories That Will Leave You Fuming and Fearful”
To navigate these challenges, it’s crucial for policyholders to be proactive. Understanding the specifics of one’s insurance policy, maintaining thorough records, and promptly addressing any issues can make a significant difference in the claims process.
Had to call every few days to beg and cry for them to approve a specific pill for chemo-induced nausea. I was supposed to take it the morning of treatment and they would only allow one pill dispensed from the pharmacy at a time, so every few days I’d deal with the anxiety of calling them and begging for approval so I’d be able to tolerate the poison being pumped into me (which…they approved of) I would be on the phone for hours just crying and hoping they’d push it through. My doctors and local pharmacist would call too.
They wanted me to f****n raw dog chemo.
I underwent treatment for endometriosis and the insurance company would deny my medication and request a prior authorization for every refill. The d**g is approved for this use, so it’s on label. Problem is, I bleed internally because of the endometrial tissue having spread to my digestive tract and adhering to other internal organs. So when they made me do paperwork for each refill, I would be bleeding internally into other organs and into my abdominal cavity while I waited for the medication that blocked the hormone production that caused the bleeding. This condition has caused a 30% paralysis of my digestive tract. So I spent that time in excruciating pain with vomiting. Fun part is it appears to have not worked and I’m trying to get a hysterectomy with the ovaries removed to stop the hormone production and I just know this is going to be a joy to argue with insurance. As if it’s not hard enough to get a doctor to agree to the procedure because “you might want kids one day”. But my ovaries are polycystic and constantly hemorrhagic and I’m technically menopausal. I’m married and in my 30s and we don’t want kids but apparently we aren’t the ones who get to decide that.
My daughter was born early and spent seven weeks in the NICU. When she got out we got a bill for something like $400,000 and it took months to get the hospital and insurance company to sort it out. We have stacks of paperwork showing that everything has been settled but every so often we get a letter or a call from one of them because they randomly decided that we still owe them $100,000.
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