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Insurance companies are vultures

Nov 03, 2016 3:53 PM

I've been getting epidural steroid lumbar injections and now caudal injections. I can't imagine being awake for them, but my lovely insurance company decided that the anesthesia portion of the injections isn't necessary, so we pay $100 for that every time. Now, all of a sudden, my insurance company is no longer contracting with my pain management specialist. They want me to go to my primary care physician and get referred to a pain doctor within their "network". Why do insurance companies have to make life harder, prey on the weak like bullies and just in general be vultures?

Nov 03, 2016 5:21 PM

Thats horrible.
Im so glad I don't have to deal with all that stuff.
I'm really sorry you are going through this.
I really hope they stop messing around with your life.

Nov 03, 2016 5:22 PM

Thank you.

Nov 04, 2016 2:44 AM

Tealynn, do you have an HMO or a PPO?? If you have a PPO, the insurance companies cannot mandate you going to an "in-network" doctor. They can ask, they can send all the letters they want, but they can't MAKE you do it. If you have an HMO, that's a different ball game. Such a pain in the ass no matter what. The insurance companies are trying to cut back on their spendibg and are charging more and covering less.. (what else is new??) I worked in insurance for 12 years before I could no longer work and then became a NYS Licenced Life Insurance Agent. The rules, the services, etc.. the hoops they make people jump through. OMG!!! I don't bother with any of it any more but I still keep up on all the rules and how all the plans work. They do vary from state to state so I can only really go by what the rules are here in NY. (With exception to the parts of the plans that are nationwide). They can't make your life harder if you don't let them, nobody can. But I can understand how you feel when you're dealing with constant pain and then having to deal with the bullshit the insurance companies dish out. Hang in there. Check your plan design online and see exactly what you are and aren't covered for and what the rules are pertaining to the insurance you hold. You can call and get a liaison to help you get overrides on some stuff. (Such as the doctor sending in a letter to tell them that it's medically necessary to sedate you to give you the injections you require). Sending you well wishes and good karma. {{{Hugs}}}💕😊

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