Tuesday, October 16, 2007

To hell and back with my insurance company

I'm through with most of my treatment but I continue to deal with my insurance company. I have a feeling all survivors will have this same problem. Once you have been diagnosed with a disease, you're marked for life.

It's so ironic for me. Haven't we been through enough? I've had my breast removed, chemotherapy where I lost my hair and my body aged ten years, lost my reconstructed breast due to an infection, was thrown into premature menopause, may or may not be fertile, gained almost twenty pounds due to my medication, and have to go under the knife for a second attempt on having reconstruction? Apparently not.

I find those that work for insurance companies are mainly incompetent. I can call them five times and get five different answers. The scary thing is the wrong answer can cost us hundreds and thousands of dollars. Each medication and procedure is not cheap.

It's mid October and I've been dealing with my insurance company concerning my medication since August 3, 2007. They are in the wrong. They gave me the wrong information but there's nothing they can do about it now. I can do a formal complaint. Does it take a formal legal team for them to start paying attention to "the little people?"

I am eagerly waiting to max out my out of pocket. It isn't a small amount but unfortunately it won't take long to meet my maximum. I plan on getting myself thoroughly checked out from head to toe.

Cancer did not beat me. I will not allow my insurance company to beat me either. I had an emotional set back today and lost it due to frustration. I will live and learn from my five plus hours on the phone to try to rectify this situation that is not situated at all. It will come out of my pocket. They will not be held accountable. They may be. I need to decide how much time and energy I want to spend on this.

Unfortunately, I need my insurance. Too bad the thing we need most is the one thing that causes us so much stress and anguish.

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