Excuse me a moment whilst I flip the bird to my insurance company.
I need some insulin pump supplies and a visit to my endo. They say they are being nice to me because they have waived my usual 18-month waiting period for coverage to only 8 months. I suppose this is a gift, but I'm sorry, this is a bunch of bullshit. It's bad enough to make me swear on my blog posts! I'd use an even worse word, but there might be 13-year-olds reading this somewhere.
Me: I can't even get reimbursed?
Customer Service Lady: Ma'am, we can't reimburse you for something you don't have coverage for.
Me: Well, this is something that's never happened to me before. I can't afford these things without insurance. Isn't there anything you can do?
CS Lady: There's nothing, Ma'am. You could go to your doctor for whatever paperwork you might need, but they're just going to show you have the pre-ex condition, and we can't cover any pre-exes until your waiting period is over.
This is just so damn awesome. I can't believe how lucky I am to live in this country with the greatest healthcare in the free world. AAAAAAAAAARGH.
But maybe there is some light in this situation after all.
My co-worker informs me that HIPAA guidelines state that it's illegal to deny me coverage for ANY period of time as long as my coverage previously didn't lapse. (And it didn't!) My co-worker knows her way around health insurance...she is a cancer survivor.
Tomorrow I'm having a chat with the HR lady, hoping she can help me straighten this stuff out once and for freakin' all.
What kind of crap has your insurance company tried to pull on you?
In slightly related news, the nurse educator from my endo's office is my new hero for the week. I explain my problem to her last week, and she gave me an entire box of sample infusion sets. I had been using Sof-Sets at home, but she only had Quick-Sets for the Paradigm (or Silhouettes, but I was kind of worried about the angled-needle thing). She let me borrow an insertion device and I'm on my second Quick-Set. I really like them. I might switch to them permanently once I can figure out what I'm covered under.
Any opinions on infusion sets?