I just wanted to share a couple of sites for those who might have insurance problems. The first is "Advocacy for Patients with Chronic Illness". It was founded by Jennifer Jaff, she was a trial lawyer and a law professor before starting the organization.
Where patients can get free information, advice and advocacy services in areas including but not limited to the following:
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How to get your own medical records.
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How to get and keep health insurance.
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How to get health insurance coverage for particular treatments, drugs, and/or therapies.
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How to get private disability insurance coverage.
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How to get Social Security Disability Income.
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How to assert your rights under the Americans with Disabilities Act.
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How to assert your rights under the Family and Medical Leave Act.
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How to ensure that schools accommodate students with chronic illnesses.
Thank you for this. I just searched insurance and hopefully these websites will help. Having major problems with Blue Cross Blue Shield paying for IV/IG.
I have Federal Gov't Blue Cross Blue Shield code 105. When I was in the hospital in Nov 2011 I received IV/IG treatments. I don't remember paying an outrageous co-pay/co-insurance. I now have what seems like a relapse and my neurologist has ordered another round of IV/IG 6 weeks apart, over 2 days each time for a total of 5 or 6 treatments. I had the first treatment as outpatient and got a co-insurance bill for $3200! I can't afford that 6 times. I called BC/BS and I called the hospital. "Oh well" was the reply. I'm on a payment plan paying for the first treatment. At first it didn't seem to help, but after 5 weeks, I felt like my old self (pre-2011) again. It was awesome, so I'm confidant the treatments will help me.
Any advice on fighting BC/BS to pay for more than 85% of the bill. They claim even if I was hospitalized in patient I'd still have to pay. Thanks for any advice.
Tracy Z. said:
I also worked for Blue Cross and Blue Shields in Appeals before I became ill. I will be happy to help anyone.