Insurance Gods....
I received a letter in the mail yesterday from my insurance company. It said they approved my hospital stay for this surgery because they deemed it a medical necessity. Thanks anonymous Insurance Gods.
Nice to know the insurance company thinks I need the surgery.
When did the insurance companies start running the medical industry anyway? I mean, if the Insurance Gods did not deem this a medical necessity, then all the work with the physicians, the sleep study, the CPAP lady, the phlebotemist, the surgeon, all of this would have been for naught?
I pay insurance...why can't I just get the help I need when I need it? I pay insurance....why can't I be proactive about my health? I pay insurance....why would the insurance company make the physician jump through hoops?? Who is more inclined to have the patient's best interest here? Ummmm....my five bucks is on the doctor.
I'm glad that I got the letter...but I gotta tell you, it makes me a bit angry. I do not like insurance companies at all. All of them...life insurance, car insurance, health insurance, homeowners's insurance....all of them! You pay month after month after month....and you pay on time month after month after month. Your fee is not negotiable month after month, it is the same.
BUT - when it comes time to PAY OUT - then everything is negotiable and everything is late! They don't have to pay immediately. They can review every detail and they can slow the payout because they are 'reviewing' and 'adjusting.' And they can refuse to pay and they can lowball how much they pay. Oh, I don't think the insurance company gave a damn about me regarding this surgery. They are gambling that it will cost them LESS in the long run, if they let me have it.
Sad part is, I know it's true. Good thing is, I know it's true!
So...I got my letter. I have made 10 copies, laminated the original, framed one and hung it on the wall, and filed the rest.
Nobody gonna deny me now! Lab Band, welcome to my wordl!
Mary - letter in hand.
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