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Medical Forum / Diseases and Disorders / Alzheimer's / March 2004

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Medical Insurance

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Happy Tom - 06 Mar 2004 20:58 GMT
My wife's medical insurance only pays 50% of medical costs for treating her
dementia because it is a mental problem.

I thought there was a law that says health insurers have to pay the same for
mental problems as they do for other problems.

Has anyone experienced this kind of situation?

Tom Taylor
spam2death - 06 Mar 2004 21:32 GMT
--

> My wife's medical insurance only pays 50% of medical costs for treating her
> dementia because it is a mental problem.
[quoted text clipped - 5 lines]
>
> Tom Taylor
--

I think your insurance company is just giving you excuses to avoid paying.
Just because mental function is what is affected doesn't mean AD is a mental
illness. By that logic a brain tumor is a mental illness. You need to find
out the appeals procedure for your ins. carrier and if necessary contact
your state ins. commission.   good luck  s2d.

"Dissent is the highest form of patriotism"   Thomas Jefferson

"May we never confuse honest dissent with disloyal subversion"     Dwight D.
Eisenhower
Evelyn Ruut - 06 Mar 2004 22:40 GMT
> My wife's medical insurance only pays 50% of medical costs for treating her
> dementia because it is a mental problem.
[quoted text clipped - 5 lines]
>
> Tom Taylor

Tom that is something you might try to appeal.

There is a physical change in the actual brain itself, to my way of
thinking, that is not a "mental" problem.
Signature

Evelyn

(To reply to me personally, remove sox)

JM Van_Horn - 07 Mar 2004 07:48 GMT
I ran into this once with Blue Shield.  When I called, they said that
Alzheimer's
could be classed as "mental" depending...  They wouldn't tell me any more,
or
maybe the lower levels I talked to didn't know.

What had happened was that I scheduled a doctor's appointment for Mom
and she was due to have her blood pressure checked and lots of other
physical things.  However, I mistakenly said when I made the appointment
that it was for her to take the "mini-mental", because I had just heard
from Blue Cross/Shield that she needed to do so to get her Aricept
prescription authorized for another year.

That meant the visit went in with the first code for this "mini-mental"
exam, followed by the coding for hypertension and all the other
things.  The doctor's office re-submitted it with the physical codings
first, but the Blues weren't buying it.  I think I would have won on
an appeal, but I was tired, having spent 7 months dicking around
with an appeal on 2 ambulance rides (which I won).

I learned to say "blood pressure check" or "sore hand" or something
for every doctor's visit after that when I called to make the appointment
and things have gone smoothly.  That's the only time it happened and I
think it was because of the "mini-Mental" exam.  They paid for all
the MRIs and neurological tests as if it were organic, which it is.  She's
had several "mini-Mental" exams since then, along with her blood
pressure examinations.  The doctor gets paid for it, but the whole
visit does not go under "mental".

Right now I'm spending lots and lots of time dealing with medical
insurance.  I have learned a great lesson and I'm passing it on to
you.

Phone calls don't always work.  When there's a bill messup (about
every other week) I call and try to straighten it out.  If the
billing doesn't get straightened out and I get another erroneous
bill I don't call again.  I write up a letter saying I am disputing the
bill, address it to Legal/Complaint Department and send it
Registered mail with copies of every thing I can find, including
copies of my power-of-attorney.  This always gets a response,
even if I don't always get my way.  Certified mail would be
just as good, but Registered has a certain shock value.

Joan

> > My wife's medical insurance only pays 50% of medical costs for treating
> her
[quoted text clipped - 12 lines]
> There is a physical change in the actual brain itself, to my way of
> thinking, that is not a "mental" problem.
Mary Gordon - 07 Mar 2004 02:15 GMT
Dumb question though - how would they class brain damage from an
accident, or a tumour? AD is no different. It is a progressive,
incurable neurological disease that causes brain damage. Would they
cover her for other degenerative diseases that can affect the mind
like MS?

AD is only a mental illness in that it damages the brain - its not a
psychological or psychiatric issue.

I'd be rattling their chain, since I don't think their definition or
their position is defensible given what is known about the organic
basis for AD.

Mary G.
Dennis P. Harris - 07 Mar 2004 04:32 GMT
> My wife's medical insurance only pays 50% of medical costs for treating her
> dementia because it is a mental problem.

you might want to talk to a lawyer if you can find one who likes
to take on medical insurance companies, and see if you can sue on
the grounds that dementias are caused by physical problems in the
brain.

> I thought there was a law that says health insurers have to pay the same for
> mental problems as they do for other problems.

no, there's been a bill every session of congress for years, but
it always gets killed by the insurance industry lobbyists.  don't
expect it to change as long as lobbyists are allowed to raise and
control bri^H^H^Hcampaign contributions.
 
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