Wednesday, September 10, 2008

Denied...

Last night I got a notification that my application for health insurance was declined - with one of the only HMOs that will take me and Mr. Spouse - at least officially, though we may be able to persuade one of the others that he actually has an SSN when he doesn't really. I genuinely thought I would be OK as the only things I had to answer "yes, in the last five years" to on the application were about "female reproductive disorders or painful menstrual periods" and "other". There's no specific question about pregnancy or complications and I didn't think they could deny coverage based just on that question - I thought they'd ask for more information - and the "other" is migraines every second month, approx*.

But apparently these are both problems - and so is my BMI of just over 28 now (this is after losing 35lb which, again, there was no space to elaborate). I may get HIPAA coverage (switch off now if you are lucky enough not to care) as government coverage, even non-US government coverage, counts for this. But I was really, really upset and I'm not entirely sure why. I think it is because I strongly feel the need for a sympathetic, continuous medical presence in my life, even if it's just to go and be told "yes, you have a nasty rash, go away and put calamine lotion on it", or similar, every couple of months. The thing about recurrent miscarriage is that sympathetic continuous medical care is the only treatment, and this probably being due to the placebo effect makes no difference to its effectiveness. The placebo effect still works if you know it's a placebo. And I'm being denied even the placebo.

I'm not entirely sure if this is a serious, unappealable refusal, or if it's routine just to refuse in order to stall, and they expect everyone to come forward with medical evidence and then they'll accept most people. I'm going to try, anyway, and we'll apply to the second insurance company in the hopes they won't notice the lack of SSN.

*Thanks to whoever suggested acupuncture, I've tried it and it improved them but didn't get rid of them entirely.

1 comment:

nutsinmay said...

I don't know what to say. I'd be having a tadlet of a nervous breakdown if I were in your shoes. I really really hope they are just giving you the boiler-plate runaround and will settle down and behave soon.