"God doesn't give children with special needs to strong people; He gives children with special needs to ordinary, weak people and then gives them strength. Raising a child with special needs doesn't take a special family, it makes a special family."
" Faith makes life possible. Hope makes life workable. Love makes life beautiful."

The Winwards

The Winwards

Sunday, December 13, 2009

Insurance Blues

So my work changed insurance and ever since all of Tanner's stuff has been getting denied due to the insurance stating he has a pre-existing condition. I have mailed, faxed, and scanned & emailed the certificate of coverage showing that Tanner has had insurance coverage since he was born, but his claims are still getting denied. The whole time I'm thinking, "how can he have a pre-existing condition with no lapse in insurance coverage?" And on top of that, he was born with his condition!

I am now getting bills and calls from Tanner's pediatrician and specialists because the claims have not been paid or have been put on hold. It's so much stress and so hard for me to handle!

At this point I'm at my wits end, and don't know what to do. Tanner just got fitted for new braces and the pre-authorization for the insurance payment was denied, so Tanner now has no braces to wear because his current ones are too smail, we can't afford to get new ones without insurance. I'm just ready to scream & cry!

I don't know what to do next to fix this, and Ray is ready to get lawyers involved. I only have so much time in the day to make calls and to appeal things. I did find a complaint form online that can be submitted the the Arizona state department of insurance commisoner, so I may be doing that if I am not able to get this resolved.

Ahhhhhh.... if its not one thing its another it seems.

2 comments:

Paul Jessie and the Boys said...

yikes! what a crappy situation. i hope you can get it all resolved. let us know if we can help. :)

Ciaran's parents, Jon & Wendy said...

I am not sure if my last comment is going to post or not so here it goes again.

I, too, live in AZ. Do you use CRS for ortho?? Have you ever considered the Shriner's Hospitals?? If you want more info, let me know.