Insurance Appeal - Just The Fax
Insurance. Ugh, yes, I said the “I” word. It’s something most of us with chronic illness have extensive experience dealing with, unfortunately. Just saying the word is enough to put us into fight or flight mode, and the anxiety that comes with this nine-letter four-letter-word makes terms like “pre-authorization,” “expedited appeal,” and “out-of-network” take on a sinister quality that induces panic in even the most even-keeled among us. It’s a necessary evil in the purest sense – both necessary and evil in equal parts – and we all have war stories of dealing with these masters of obfuscation. Here is one of mine.
Insurance: the good, the bad
Insurance as a concept isn’t inherently bad. What it does, at its core, is move the money for medical costs to those who need it when they need it. Think about it – those who aren’t ill pay their monthly premiums and help offset the cost of the doctors for those who are sick. Until they get sick themselves, then they are the ones who benefit and someone else healthy picks up the tab. It’s basically medical bill timesharing. It’s not perfect but it’s the system we’ve got and it works pretty well – unless you are chronically ill and then the entire scheme breaks down like a DeLorean without a Flux Capacitor. When you begin to take more than you contribute, it becomes a fight for every inch and if you don’t pay attention before you know it all insurance will be paying for is brown M&M’s and Band-Aids featuring Hello Kitty’s unlicensed knock-off, Corporate Mascot Cat.
Fighting with the insurance company
Changes to my pain medications
My health insurance fights are epic, Lord of the Rings, there-can-be-only-one, Mortal Kombat “Finish Him!” level throwdowns, and the fight for my pain meds was no exception. It started out with a formulary change, two words that cause more anxiety than sharks and public speaking combined. Public speaking with sharks? Yikes. Anyway, I found myself with a letter stating that insurance would no longer be paying for my monthly dose of opioids. “This seems ominous,” I thought, and I prepared a measured response. Calling my carrier calmly and with all my ducks in a row... is what I should have done. Instead, I immediately phoned my doctor and told him to prepare for battle, rally the troops, and make some sandwiches (for while on hold). He took the lead and filed an expedited appeal, which means they have 72 hours to make a determination. Fast forward to the next day and the decision came down – denied again, they were cutting my opioid dose by 3/4 overnight.
The perils of an abrupt change in medication
Now anyone who has any experience with narcotics, has taken any medication at all or is a person who is alive, knows that you can’t cut someone’s addictive opioid medication by 75% overnight. Put aside the fact that it could cause my heart to say “nuh-uh, I’m out,” it’s just not a safe practice by any stretch of the imagination, which makes it all the more hilarious... no, that’s not the right word... ironic... no, idiotic, yes that’s it. It makes it all the more idiotic that the appeal denial was signed off on by a doctor. A doctor who works for the health insurance company. Hmmmmm… A physician who is paid by a health insurance company to review appeals is just about as impartial as… umm… you know what? I can’t even think of one of my classic analogies to illustrate a conflict of interest more clearly than a doctor who’s salary is paid by a company whose job it is to save money on patient care. Of course, they left me no choice but to appeal the appeal, and that’s when I truly began to realize just how far down the rabbit hole things go.
The insurance appeal process
First, there’s the second level appeal. It is, again, administered by the same appeals department of the same medical insurance company with the same doctors that dealt the original denial and then the appeal denial, sooooo… yeah. Let’s just say I wasn’t optimistic about my chances. Guess what? I was wro… right, I was right. Denied again. As if there was ever any question.
Trying to talk to an actual human
By this point, I figured if I could just talk to an actual human being and explain my situation, there was no way they could deny me. So I called up the insurance company and asked to speak with the appeals department. They told me they didn’t have a phone. So I said you mean they don’t have a phone number, right? Cause if they don’t have a phone then how do you talk to them? Do you send messages by carrier pigeon? Smoke signals? Semaphore? (Google it) Sidebar: I also discovered Insurance company customer service reps understand sarcasm just enough to not take kindly to it. They told me I wouldn’t be able to speak to anyone in the appeals department and I realize now that is by design. If they had to deal with pesky things like human kindness and compassion when making appeal decisions, they’d never be able to meet those denial quotas that don’t exist. wink.
Making my case in front of a judge
Now, it was on to an “external” appeal, which is handled by a separate entity… kinda. The agency that handles the review is still under the general purview of Medicare, which is who ultimately saves money if I get denied so, yeah, that. I made my third appeal, and in a shocking not twist of events, the denial was rubber-stamped by the external appeal agency. That meant I had only one road still open to me - to go before an administrative law judge and plead my case, which I did, and guess what? I came out victorious. The judge even thanked me for making such a cogent argument. The funny part is that the judge was the first actual human being I had talked to since I got the original appeal denial. Funny, that.
Appeals are all still conducted by fax and mail, and this particular one took almost an entire year. This wasn’t 1985 either, it was well into the age of the Internet, 2010. The entire system is designed to discourage people from following through with their appeals, thus saving the company money. Health insurance serves a needed purpose, I can’t argue that, and you’ll be very happy with their service – as long as you don’t get too sick for too long. Then you better find a fax machine. Talk soon.
Quiz: Which is NOT a common risk factor for osteoporosis?