More Search Tools: Doctors Videos
Health Insurance Issues
10 replies [Last post]
Txlady57's picture
User offline. Last seen 27 weeks 2 days ago. Offline
Joined: 10/23/2011
Posts: 8
Points: 16
Insurance denied my surgery! :-(

Good morning spine buddies,

My fusion for L2,3 and L3,4 was scheduled for Dec. 13th. I was estactic thinking I MIGHT have a chance for this horrible pain to be alleviated long term. Everything was set...or so I thought. I am a retired Texas teacher and taught for 30 yrs. I would still be teaching if it weren't for my back. I have A.... insurance (didn't know if I could put the name) which I pay $300 a month for....the doctor's office called and said my insurance said the surgery was too experimental. They said even though my tests show I have no disks left at all and my vertebrae are inflamed and damaged...that only a fracture, cancer, or dislocation would be covered for a surgery.

I called the insurance company crying and talked to three different people...the last one being head of the nurses. She said the doctor and I could appeal; yet, the appeal would go straight back to the same doctor that decides my fate. They had talked to my doctor that morning. My doctor had done my first four fusions which have NO pain whatsoever...a success.

I don't know what to do now. My hydrocodone does nothing for my pain. The doctor in Dallas was going to put me in a back brace after the surgery. Do any of you have one? I do not have a back doctor in the small town in which I live now....but they can refer me to one in a town 100 miles away. I have tried Lyrica and Cymbalta and muscle relaxers to no avail. When bone is grinding against bone I don't know what will help. The insurance company told me to not bend!!!!! That is a joke. Try not bending getting into a car, using the toilet, etc. I am mad, sick with disappointment, and sad. Any advice?????

Hugs from Texas,

_____________

Carla

User offline. Last seen 5 days 10 hours ago. Offline
Joined: 02/04/2011
Posts: 641
Points: 1302
You must be..

..beside yourself!
I wonder if doc wrote up the order for your surgery in an odd way..that insur co read as "experimental".

Maybe doc can rewrite order in more accepting way.. i dunno.

I don't really know, but maybe getting most recent notes from you doc and re petitioning you insurance co.for able to have your surgery....maybe that would help approe surgery.

Maybe a second doc opinion???

Let us know how it works out for you!!

_____________

My profile lists my spinal issues and other conditions that I navigate around daily.
Doing my best to be getting around and hanging on to this ride called life! Smile

User offline. Last seen 10 hours 28 min ago. Offline
Joined: 05/01/2009
Posts: 634
Points: 1284
Appeal your claim

Have you tried all the usual methods before surgery will be scheduled? Physical therapy and injections? What is the doctor doing that the insurance company is saying experimental? Is he talking about using a artificial disc? There is something in his wording to the insurance company that is causing a determination of experimental. Collect all your medical records and appeal your claim with all records attached. If you need help with the appeal process Ill be more then happy to walk you thru it. Go to your insurance company web site and there should be a form for appealing. Ask for a expedited appeal due to the pain and suffering you are enduring due to the insurance company denial. Good luck
Susan

_____________

5 cervical surgeries in 10 years and 2 lumbar

Txlady57's picture
User offline. Last seen 27 weeks 2 days ago. Offline
Joined: 10/23/2011
Posts: 8
Points: 16
Thanks for your comments!

I appreciate your comments. The doctor and I both are going to file an appeal. My doctor is a well respected doctor in the Dallas Fort Worth area that was named as one of the top doctors in Texas. He actually talked to the doctor at my insurance company. He is not asking to use an artificial disc....a fusion to attach to my other rods. My insurance company states on their site that ANY LUMBAR surgery is denied UNLESS it is cancer, a fracture, or severe scoliosis. They deem it experimental on ANY lumbar surgery due to percentages they use.

The appeals will go straight back to the doctor at Aetna that denied it in the first place. My doctor was so upset that they denied it that he called to talk to this doctor. Many of you have asked me if I have been to pain management, physical therapy, etc. Yes, I have been thru it all except for wearing a back brace. I have been on Hydrocodone since my first surgery in 2005 which the surgical area never hurts at all. What hurts is no disk left at L3/4 and the other lumbar disks show moderate damage. My spinal surgeon said a spinal shot would only last a hour. I don't know what to do....I am sitting here on two ice packs. I take two to three 10 mg. Hydrocodone pills a day and live on ice packs. They have given me oral steroids, but they did not help. They say they don't like to give too many steroids in a year, as a side effect is heart damage.

So...right now...I am left to just wonder why and try to keep my spirits up. I have cried buckets, but all it does is give me a headache. lol I think the Obama healthcare situation is hitting everywhere. These insurance companies certainly take our money each month, but do not want to help us when we NEED it. By the way, I had to pay out of pocket for my MRI and my Cat Scan due to dedictibles and major medical. The insurance year started in Sept.....grrrr..

Hugs and thanks again,

_____________

Carla

SpineAZ's picture
User offline. Last seen 1 week 1 day ago. Offline
Joined: 10/21/2009
Posts: 1026
Points: 2084
Insurance

Do you have an HMO or a PPO policy? HMO's are far more restrictive. And many insurance companies are pushing back on approving spine surgery BUT if your doc is one of the best he and his insurance staff can try to navigate around that.

Do you have a Pain Management doctor? You mention hydrocodone but don't mention any long acting medications like Oxycontin ER, Kadian, Opana ER, MS Contin ER, etc.

_____________

Rt. Total Knee Rplcmt 09/2011
L3-S1 PLIF '10; L4-S1 PLIF '93; L5-S1 PLIF '87
C5-C7 Foraminotomy '08; C5-C7 ACDF '06
Bilateral knee arthritis. Bilateral CTS.

babyruth's picture
User offline. Last seen 1 week 2 days ago. Offline
Joined: 04/11/2010
Posts: 260
Points: 524
seriously i would be rather

seriously i would be rather hesitant having had 4 fusions and then go have another surgery, but that's just me. the research literature tends to point out that the more surgeries one has the more we open ourselves up to risks that are just not worth taking. i think much better pain control would be great for you. i also have had multiple surgeries and my doctor has said i am not a good candidate for more surgery (which i don't need now anyway). but even if i was in need i still might not be a good candidate. it has taken a while to get reasonable pain control. i have a lot of limitation and have had to give up many things, but since i am not rocking in a fetal position in the corner writhing in pain i am happy. my pain by no means is gone but i am able to function reasonably. i am only taking enough medication to keep me someonewhat cognizant. basically i have pain but only medicate it to the point where i can both function reasonable and cope with learning to live with chronic pain.

_____________

"Two men looking through prison bars, one sees the mud, one sees the stars" - Frederick Langbridge

User offline. Last seen 1 day 6 hours ago. Offline
Joined: 03/15/2012
Posts: 44
Points: 88
Put simply, my spine is a

Put simply, my spine is a mess and I have had eight surgeries. While they have stablized the spine, the pain has does nothing but increase. I have two new ruptured discs and will not have anymore surgery. I am in a wheelchair now as I no longer safe even on a weight baring rollator. Medicaid will no longer authorized outpatient PT as they say it is no longer helpful. Medicare actually told me that I am not a good investment anymore. Good luck.

User offline. Last seen 5 days 10 hours ago. Offline
Joined: 02/04/2011
Posts: 641
Points: 1302
Wow, Pain 1010, that is...

...a very rough way to be told you are no longer covered. That therapy no longer beneficial.

Is sometimes difficult to not have that absorbed into who we are as people. I hope you have strong support system who remind you regularly of your worth and who help you as you continue to navigate the system to get your pain relief.

Glad to see you share that info on this site and hope this site able to be support to you, also. I am glad you wrote about what Medicare said to you.
Those people need some help with people skills.

Hope this weekend is refreshing and pain tolerable for you. Take care!

_____________

My profile lists my spinal issues and other conditions that I navigate around daily.
Doing my best to be getting around and hanging on to this ride called life! Smile

User offline. Last seen 2 weeks 1 day ago. Offline
Joined: 05/10/2012
Posts: 1
Points: 2
Medical Insurance

Discuss about Medical Insurance. How many Important of life.

-----------------------------
medical Insurance

_____________

-------------------------
Medical insurance

BpainFree39's picture
User offline. Last seen 2 days 19 hours ago. Offline
Joined: 10/29/2011
Posts: 40
Points: 86
Your situation

TXLAdy,

As people have said appeal it. It sounds to me like there is a disconnect between what you think you are having for surgery and the code the dr is giving to the insurance co.

Call the Dr, and find out what they are reporting to the the insurance co. It could be a case where the Dr is reporting some new procedure that has not been around long. I have never heard a fusion is new, so keep digging, and I think it is a coding mistake. Good luck.

_____________

PLIF on levels L4,L5 - S1 - Performed 03/13/2012.
Bulging L4/L5, ruptures at L4/L5, leaking on nerve roots with pinched nerves @ same levels.

bebe_52's picture
User offline. Last seen 1 day 20 hours ago. Offline
Joined: 02/08/2012
Posts: 11
Points: 22
bpain free

Hi,

I noticed you had surgery not to long ago. How are you?

I long to hear from others that their fusion was a success.

My name is Jayni and am trying to go in for a revised fusion to the L4L5 L5S1.

My first fusion was back in Nov 30, 2010. Due to continued back pain and sudden increased pain I finally had an MRI done in March 2012 followed by a mylogram where they say my back did not fuse in the L4 L5.

I was scheduled for June 7, and now my doctor and insurance informed me I was not approved. The insurance company does not think I need this.

That makes me mad. We pay so much money out and the benefits get worse every year.

My doctor will be appealing but I just wonder if I should continue having suregeries.

Would I actually fuse on my own if I just don't have this done?

The ct scan showed loose hardware where it was not fusing and he said something about the infuse he wanted to use and now I just want to hear from those who did have additional screws added and did okay.

Help!

_____________

Anterior interbody fusions with anterior and posterior hardware at L4-L5 and L5-S1
360 fusion Nov. 29, 2010...3-2012 L4 L5 not fused
Myelogram Ct-March 9, 2012
Father God please help all the doctors we see diagnose properly and have the desire to help each one us restore our health, in Jesus name I pray

Jump to: