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01/20/2010 12:28 PM

Insurance

MissOet31
MissOet31  
Posts: 5
New Member

I'm curious to know how many people are having to pay for there antibiotic treatments. My insurance will pay for Oral Antibiotics but not IV.

And it seems like I may have to be on the IV for a very long time as I can only tolerate a very small dose and although I have come a really long way I'm not even half way there yet.

It just seems to me that it is very irresponsible of these big business insurance companies to deny treatment to there consumers.

They are essentially killing the people who pay them money and if they continue on this course they wont have anyone to pay there multi million dollar salaries.

I know it's a hot button issue but it's very frustrating to have all your family's money going to your disease when you have insurance. Angry Feeling frustrated in Portland. Angry

---------------------

i deleted your cuss word & while there broke this up into short paragraphs so i could read it and reply to you in a separate response.

bettyg, iowa group leader Smile

Post edited by: Bettyg, at: 02/26/2010 12:57 AM

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01/20/2010 12:31 PM
TaraT
TaraT  
Posts: 4164
VIP Member

hopefully this lyme treatment reform bill will change all of that for us really soon! You have every right to be angry!

Post edited by: Bettyg, at: 02/26/2010 12:58 AM


02/26/2010 01:20 AM
Bettyg
 
Posts: 32210
VIP Member
I'm an Advocate

INSURANCE ISSUES!

MedIcare and Paying for IV Antibiotics. Yes there are IV Clinics!!! 1.15.10

http://flash.lymenet.org/ubb/ultimatebb.php/topic/1/90065

Appeal Letter to Insurance Company for IV COVERAGE from TIMACA !! She was reimbursed thousands $ back!

http://flash.lymenet.org/ubb/ultimatebb.php?ubb=get_topic; f=3;t=014009#000000

INSURANCE COMMISSIONER -

www.iid.state.ia.us

at the end is IA FOR IOWA; show VT or whatever your state's abbreviation is ok.

go to their site, then use CONTACT ME from there ok.

call or email infuserveamerica.com

great company....thrilled with there prices added 12-09 by KNICE, mdjunction.com site

California Lyme Disease Association, CALDA has a very handy form letter to send to insurance companies that deny you care. It was written by someone who has a lot of experience in dealing with denial of care for lyme.

You go to the link I have below, read through the brief description, then download the forms. Add your personal information and the insurance companies address, and presto, you have a good letter.

http://www.lymedisease.org/resources/insurance.html

Be sure to cc your state's attorney general. They are increasingly becoming involved in cases where insurance companies deny care to sick people. Added 2.3.0907

HEALTH INSURANCE CLAIMS TIPS 2009

http://www.healthclaimappeals.org/home.html

INSURANCE APPEAL … READ ENTIRE POST; COLLECTIVE ADVISE!

Example: Mo's son http://www.healthclaimappeals.org/home.html w/brain problems/suicidal !!

http://flash.lymenet.org/ubb/ultimatebb.php?ubb=get_topic; f=1;t=071897

INSURANCE HELP FOR APPEALS

from SARAH aka californialyme 11-07

Another good site for insurance help is HARP.org run by an oncologist who got a JD (became a lawyer) because he was tired of his patients being shafted in their treatment because of insurance companies, specifically HMOs for him. He knows ALL about Lyme- his name is Harvey Frey and he is actually a family friend (if you write him from his site tell him Karen Leonards daughter Sarah told you to write hiM!)(that's me*)!

He helped the Lyme patients going after Kaiser as much as able- he won't be your lawyer but we can help you figure out what to do sometimes!!!

from ANN-OHIO

There is tons of good info at the site mentioned below,. this is the home page

http://www.patientrights.com/index.html

It was put together by a Michigan law firm and is one of the best I have ever seen

Insurance Reimbursement & Lyme disease from Health Centers of America, outstanding advise…8.1.08 BettyG

http://flash.lymenet.org/scripts/ultimatebb.cgi? ubb=get_topic&f=1&t=069819#000000

HIPPA LAWS: *** VERY IMPORTANT!

Under the new HIPPA guidelines you have the legal right to request that mistakes in the records be corrected. Docs don't like to do this. Hubby did have this done at least once. It would probably be a bigger hassle and harder to get the corrections done if an ER or hospital was involved. Bea Seibert

REPORTING MEDICAL DRS. ETHICAL VIOLATIONS!!

By Cave 1-3-08

http://flash.lymenet.org/scripts/ultimatebb.cgi? ubb=get_topic&f=1&t=061903#000006


02/26/2010 06:48 AM
lindaca
 
Posts: 1009
Member

Sometimes insurance acceptance or denial is based on how your doc bills it out. If he bills as lyme instead of as a bacterial infection, some insurance will issue an automatic denial. You can also dispute the denial, some have had success with that.

02/27/2010 01:31 AM
Bettyg
 
Posts: 32210
VIP Member
I'm an Advocate

http://www.mdjunction.com/forums/lyme-disease-support- forums/introductions-personal-stories/570035-letter-of- appeal-to-insurance-company

i added additional things to above link a little while ago; check the entire thing out good ok. Smile hugs

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