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    I hate insurance companies!
    Linlovesdogs posted:
    OK, I hate insurance companies. Have I said I hate insurance companies? It's bad enough I see what they do to my patients and now I have to deal with it. So my neuro orders a MRI of the C-Spine and my brain and a MRA of the head and neck to rule out any vascular issues....and wonderful Anthem "Healthkeepers" ( I think they need to change their name) decide in their infinite wisdom to approve ONLY the MRI of the brain. Ok, so what IF I have MS and my lesions are in my spine and not my brain, quite possible with my symptoms.....or WHAT IF if have an aneurysm or vasculitis or something..that is finally showing...that can be fixed before it gets worse????? DUH....haven't they figured out after all these years that it's CHEAPER to prevent something...then to let it go and then pay for stuff after the fact? I never heard back from my doctor's office on if my evoked potentials were authorized..I guess I'll find out tomorrow when I go there. Lin
    tulipgal responded:
    Hi Lin. Insurance stress is horrible. It's bad enough feeling ill and then you have to go through this! Did your doctor order your MRI's with contrast? Just wondering because I have a spinal scheduled for next week w/out contrast. Hmmm. I feel like you and I are both in the same boat in that we suspect we have MS but have not received medical confirmation. I've had a brain MRI w/out contrast (my vein wouldn't cooperate), and EEG, and a neurological exam. Oh yes, and blood/urine tests, So far, nothing. And yet, every day I feel worse. How are you feeling? Tulip.
    snick440 responded:
    Hi Lin yes insurance companies can be a pain in the neck. They have altogether too much power in what the pay for or not. However in this day and age I'm glad I do have insurance!! Jane
    xring responded:
    I hate them even more! HMO's are responsible for more deaths than any disease ever was. Remember, they only make money by not spending it on patients. Six years ago, when Kaiser doubled my premium to over $500.00/month because I turned 50, I tried to change to Blue Cross. Blue Cross demanded that I send them a check along with my application & said they would return the check if I was denied. They denied me because they found out I received a few Chiropractic treatments for Carpal Tunnel 1 year ago & considered that "a preexisting condition." They refused to return my check until I threatened to visit them in person, then they actually sent someone to my house & left the check in my mailbox the next day. It's actually cheaper for HMO's not to pay for preventative care because they have a team of lawyers who specialize in this field. They also realize that when someone is dealing with a serious illness, they lack the energy for a legal battle & arbitration because they are already battling something even more stressful.
    behap2day responded:
    very good point jane ! I am one of those with no health insurance, unfortunately. i was layed off in Dec. 08 and the cobra premium was insane?! having a background in the managed care business, from the IT perspective, i learned many things i had no clue about. many of the insurance companies use a set of algorithyms (sp?) that simple lead the decision determination through a series of yes/no answers. hit a 'no', and the test is denied. and guess who defines those questions,,,,,,doctors!!!! crazy, eh?!
    justducky65 responded:
    I guess the insurance companies are so afraid that the doctors are trying to screw them over. I thought all that stopped when thy started doing in-network doc and such. I would write to the insurance company and ask them how they would like it if they could only have 1/2 of the testing done that was needed and tell them you expect a response. Also tell them you pay premiums and expect a service and a good one not a halfaxx one. It may not do any good but it may get to the right person that will take note. It is just sooooo frustrating anymore. Grouchy Debi :angry:
    AL0728 responded:
    Another Ins. hater here. Like Jane said, I am thankful to have it though. But....they have way too much power. I am going thru a med issue with blue cross right now. They filled a Rx twice for me for my headaches. Now they say they won't cover it anymore, they want to use a cheaper drug. My PCP is very angry, he said until they send a doctor to evaluate me and dispute his Tx, he knew best what I needed. He is supposed to be appealing it for me. I have to pay out of pocket for my MS specialist, because my insurance company will not pay his entire office visit fee. They say he charges too much, $275.00 per visit. Now this man has multiple degrees. He was first an Internist, then a neurologist, then MS specialist. To top it off, he has a PhD in Psychology and an MBA. He was a Rhodes Scholar in Europe, and got his neurology and MS degrees from the Mayo clinic, in MN I believe. $275.00 is not a ridiculous office visit fee, he is more than worth it and has good bedside manners to boot. So I pay some out of pocket rather than see the DUD the insurance co. wants me to see. How is it that they should choose our doctors? Like was already said, WAY too much power. Sorry for the rant, I am just as disgusted with them as you are right now. AL
    Gramzokathy responded:
    Anthem?....did I hear you say Anthem cause I have it too.....and of course I hate it! Mine is out of CA but I live in AZ now. Holy took them 6 months just to approve my power chair. I call them nearly every week for something just to get my claims paid. They are supposed to be Anthem Blue Cross (I'm the one that's cross) but there is no book for a list of providers or benefits. I've been trying for months just to get insurance cards. SHEEEESH! I hate them!!!! With them, not even the squeaky wheel works.
    bignona responded:
    Hi Lin, I'm so sorry you're having so much trouble,w/ insurance co. The last thing we need is stress,but they can't see that. You're in my prayers God Bless Nona Judy
    hippygrl responded:
    Hi Lin, I completely understand!! In March of 08 I had an MRI of my back done to see if I had lesions that could be causing a sx. Yes I did!! What a shock....anyway, it is now over a year later and my old insurance company FINALLY paid for it!! They had said it wasn't "medically nesscesary" to have it done!! WHAT?!?! Are they insane? Oh and it was Horizon BC/BS....Good Luck and Keep fighting!! Jennifer :smile:
    Linlovesdogs responded:
    Well, who the hell knows if I have lesions in my spine...I didn't in my brain. I still have symptoms, everything else like lyme's, lupus, and a host of others, really nasty stuff too (not saying MS is not nasty, but you know what I mean I hope) in the past, and have had my thyroid, B-12 levels, etc ruled out again. I AM FRUSTRATED. I see my neuro on Friday. I guess I will see if my evoked potentials showed anything. I'm tired of all the tests and no answers. I am beginning to think if I ever get a diagnosis of something I might end up on "Mystery Diagnosis" or maybe I need a doctor like House...even if he is grumpy. Linda

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