by Guest » Sat Jan 22, 2011 03:32 pm
My health ins. denied benefits for a hysteroscopy preformed during a laporoscopy looking for endometriosis which I was found to have severly. They denied it based on the fact that I had not tried treatment with oral contraceptives for 3 months before the procedure. I refuse to take birth control due to the world health organization deeming it highly carcinogenic and for religious reasons. (Im Catholic) They cant force me to follow an immoral and potentially dangerous course of treatment in order for them to approve a claim can they? They approved the surgery but not that part of it. Leaving me to owe 1200.00
Posted: Sat Jan 22, 2011 03:43 pm Post Subject: Also
Also wondering how to proceed
Posted: Sat Jan 22, 2011 10:08 pm Post Subject:
You are going to have to read your policy and then get some legal advice to see on how to proceed. Then you will have to figure out if to hire an attorny will be better (cost less) then the $1,200 bill.
Posted: Mon Jan 24, 2011 09:40 am Post Subject:
You better talk to them , as most companies are customer cared and do things in your favor . If not you can simply hire an attorney and sue them to pay the debts and even the fee of the attorney .
Posted: Sat Jan 29, 2011 03:10 am Post Subject:
Well yeah, as they say, getting professional legal advice is best. What they are doing is surely sort of discriminatory isn't it?
Posted: Wed Feb 02, 2011 10:28 am Post Subject:
Generally, you cannot be forced to do something contrary to your religious tenets or otherwise discriminatory based on gender. You should demand that the insurance company tell you what provision in the policy they are using to deny your claim. You are entitled to know that by state law.
If your health insurance is an HMO, they would have been advised by your surgeon about the procedure(s) he intended to use/perform when he obtained your precertification. If something happened during the procedure that required the use of additional equipment, the insurance company cannot second-guess the surgeon and now say it was unnecessary.
You can also make a complaint to your state's Dept of Insurance.
I refuse to take birth control due to the world health organization deeming it highly carcinogenic
As an aside, this bit of drama is immaterial. Birth control pills and their known side effects (including an elevated risk of some cancers) have not been declared unsafe by the FDA. That's the only organization that means anything to an insurance company in America. .
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