Extremely upset and frustrated..

[Deleted]

So I got this letter 2 weeks ago or so that my health insurance needed info on me about me being in school, how many hours, etc. I sent it to them, I guess they got it. I also sent in a form saying I was not in an accident and my knee was my own stupidity, not because of an accident.

Fast forward to today. I get a bill from my gynecologist saying my claim was denied. Um, wut? Gynecology exams (yearlies) are covered in full and I should not have to pay a single penny. I look and it says "Claim denied". I am beyond furious. I cried for a solid 20 minutes because if this claim was denied, what about my surgery? I can't afford 7k..I can barely afford the 1ish-k its going to cost me.

I sent them an email since their office is closed at the moment and I hope I get an answer and the claim gets paid. I am stressed out right now and I feel like shit. please tell me to grow up.

[blondemoment123]

Are all of your gyno visits 100% covered? Only my annual is covered in full and other visits have a copay.

Hopefully your knee will be covered. No news is good news, right?

[Deleted]

It was a yearly exam so it was covered, as explained in my benefits when I signed up for it.

I just wanna cry thinking about the $7,000+ surgery..

[blondemoment123]

It could have just been a computer glitch or something. I wouldn't freak out until you have a chance to talk to them.

[Deleted]

I'm not going to tell you to grow up, because I'd be in a panic as well. I would just get a hold of them and go from there. There's an explanation somewhere.

[ILikeSloths]

I wish I had some suggestions or advice, but I'm very ignorant when it comes to insurance so I have no idea.

I would be very upset if I was in your position also, especially while dealing with knee issues. I'm sorry, Skipping.

[Deleted]

Thanks. I went for a swim and calmed down.

[blondemoment123]

May 22, 2012 20:39:06 GMT -5 skippingstones said:

It was a yearly exam so it was covered, as explained in my benefits when I signed up for it.

I just wanna cry thinking about the $7,000+ surgery..

I just pulled a you know who. Duh. I should've read the whole post and not just skimmed.

[Deleted]

May 22, 2012 22:03:34 GMT -5 blondemoment123 said:

May 22, 2012 20:39:06 GMT -5 skippingstones said:

It was a yearly exam so it was covered, as explained in my benefits when I signed up for it.

I just wanna cry thinking about the $7,000+ surgery..

I just pulled a you know who. Duh. I should've read the whole post and not just skimmed.

Your screen name IS blondemoment

[lizo11]

That really sucks.

Does it have something to do with in/out of network and that is why they are denying the claim? I would definitely say to talk to them and get an explanation as to why it is denied.

As for the surgery, before it takes place, I would have it put into writing that they are covering X, Y, and that you need to pay Z.

Good luck and I hope it all gets resolved!

[charitylynne79]

Hope that is all works out.

[kitten]

I'm sorry that you are going through all of this. Good luck with everything. I hope that everything works out for you.

[MyName]

Get on the phone and don't stop bothering people until it is resolved. I would also get written confirmation of coverage before the surgery. Insurance is a great thing, but you do have to do a lot of legwork sometimes to make sure things are processed correctly. Good luck!