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Just an FYI for those in the US with insurance issues
Important information! Insurance coverage decisions are made by medically ignorant bean-counters. Until we can dismantle the whole shitty system, know how to scare them into submission.
This is like that procedure Mr. Incredible told that old lady
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Medical Hack:
So, your doctor ordered a test or treatment and your insurance company denied it. That is a typical cost saving method.
Okay, here is what you do:
- Call the insurance company and tell them you want to speak with the “HIPPA Compliance/Privacy Officer” (By federal law, they have to have one)
- Then ask them for Names as well as Credentials of every person Accessing Your Record to make that decision of denial. By law you have a Right to that informantion.
- They will almost always Reverse the Decision very shortly rather than admit that the committee is made of low paid H.S. Graduates, looking at all “criteria words,” making the decision to deny your care. Even in the rare case it is made by medical personel, it is unlikely that it is made by a board cerified doctor in that specialty and they Do Not Want You to Know This!
- Any refusal should be reported to the U.S. Office of Civil Rights (OCR.gov) as a HIPPA violation.
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I wonder if anyone has made a list like this regarding Medicare (federal run health insurance) and Medicaid (state run health insurance) because the process for challenging denials is absolutely different, but I’ve never known how to do it myself nor found a guide on how to.
Anytime i see a bunch of pride flags i have to restrain myself from saying "where mexico" bc i doubt anyone will know I'm referencing this
picture i got at pride last week; here mexico