After 10 months of insured treatment my sister's insurance company

wants all its money back.

I recall a thread either here or in GD perhaps a month ago discussing this ongoing scam by the insurance companies, and was hoping someone would recall it or be able to point me toward a refresher on fighting this crap.

She's now without her pain therapy, and she's gonna be suffering badly from now on. Besides, when she's in pain she IS one HELL of a pain... in MY ass.

Help!

That is just horrifying!

How dare they?

Alas, I don't remember the thread you're looking for...

I hope someone else will, though...

You both have my complete sympathies, sweetie...:hug:

and this is just the icing on the cake. I know she's close to going down for the third time and there's little I can do other than offer moral support.

I'm grateful that for all my arthritic pain I'm otherwise amazingly healthy, and have not had to go through any major medical hoops (other than my knee replacements). My blood pressure is perfect, and although I'm a bit overweight I've had no other problems. It's almost funny- every single person in my family is a diabetic- EXCEPT ME. I'm sitting here enjoying a Reeses Cup as I type this. But every time my sister turns around there seems to be a new medical insult for her to bear.

Life sucks.

:hug:

I'm sorry about your sister. The injustice fucking sucks.

http://www.democraticunderground.com/discuss/duboard.php?az=show_topic&forum=389&topic_id=2341388

So sorry for what your sister is going through :hug:

I don't understand - why do they want the money returned?

that they have reviewed her initial application and found a mistake or no mention of a pre-exisiting condition?
If that is the case, there is a class action suit in California over this practice.
Can your state insurance commissioner help?

Since they are part of the medical community. I did read about the Wal-Mart issue and told my family about it. They said, "Well, it does sound awful but... if they spent money on you to insure you..." Even my non-medical fiance agreed with the insurance companies, "Well why don't they get the money that they spent on you returned to them?"

*sigh* It does sound awful but it seems like a common practice though... my friend was injured in a moped accident and the clinic with whom he was insured, asked him for the money back. It's a very reputable clinic (world-famous) and yes, I was surprised that they did it too.

I'm sorry about your sister.

There should be something done about this. Especially when the woman from Wal-Mart needs on-going care for the rest of her life, your sister, and my friend. It's called universal health care.

Lets hope that happens!

By the standards set down by Wal-Mart and those family members in the medical community, it would then be ok for Wal-Mart to get the amount it paid you in wages back as well.

without the knowledge of the employees. There is something rather telling of a boss who wants to gamble that you will die while they are secretly paying for an insurance policy. They have money for secret insurance but can't seem to come up with living wages. They are fucking vultures.

The policies were not on just high ranking members or their management teams. That would be nominally acceptable, since they spend money getting people trained for those slots. But betting insurance premiums against the windfall of payoff when a regular employee dies? That is crass beyond belief and shows just what the corporation thinks of people. <--- Dead or alive, people are there to make the corporation $$.

Or close enough that the resemblance is uncanny.

You pay them "X" amount to insure you. Yet they can demand you pay them back? What about the money you paid them for insuring you?

I mean, the name of the insurance company?

call your state/local bar association for a referral to a health care attorney (one with a free initial consultation).

From what she told me today, she can still get the treatments from her pain doctor. BUT THE INSURANCE WILL NOT COVER THE ANESTHESIA. And since the treatment involves needles inserted into the spinal column... well, you can see the quandary. The treatment itself will be too painful to consider without it.

It's not just her- it's a general ruling by the insurance co. against ALL such treatments for ALL patients.

And now the pain doctor said he will drop her if she can't undergo the treatments.

She's screwn. Big time. And she's far from alone in this one.

the "anesthesia" is probably actually conscious sedation, which is a comfort measure but not necessary for what sound like epidural injections.

:shrug:

sorry this is happening to her though

:hug:

once a month for ten months.

THEN we'll discuss pain levels and comfort measures. :shrug:

i didn't say i agreed with it did i?

i just said it wasn't an uncommon thing

guess how i know?

i've had fucking injections in my epidural spaces around my cervical spine

no it doesn't feel good

so

put that in your pipe and smoke it eh?

seriously, she needs a lawyer.