“Unbelievable Insurance Nightmares: 50 True Stories That Will Leave You Fuming and Fearful”
My father got hospitalized for a week from heart failure. Literally guaranteed death without getting medical help, lungs were filled with fluid and he was effectively drowning.
Insurance decided that the entire stay was completely unwarranted because, according to them, it didn’t seem like he was sick enough. They didn’t want to cover _anything_ relating to it.
While we were eventually successful, it took years to fight. Bill was in the six figures.
My wife just got her third denial for authorization (from UHC) for an MRI on her hip that her doctor has been trying to get her for over a year.
The first reason: she didn’t submit X-rays. Submitted X-rays, reapplied.
The second reason: she hadn’t done PT before the request. Submitted evidence that she has done PT on and off for seven years, to no improvement, reapplied.
The third reason: she needs to have X-rays done first.
This AI auto rejection cruelty is par for the course.
My mom killed herself because she was afraid her condition was going to get our family kicked off our insurance.
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