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Old 10-29-2007, 09:51 AM   #1
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Angry Frustration

I'm a little frustrated today. My hubby has not been to the dr in 20 years (seriously). Well, now that I have a really good job, and good health insurance, I got my hubby an appointment. I got the bills for his appointment and labs. Both DENIED! They want his medical records to check for pre-existing conditions. He has not been to the doctor in 20 years. He was in the Navy then, and I have no idea if they even keeps those records that long. Nor would I know who to call. Sigh!

Sorry to vent.
Celia
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Old 10-29-2007, 10:25 AM   #2
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Don't fret! Call the insurance company back and explain that prior to this last visit to the doctor, your husband was active duty military/Navy and that THEY'LL need to get his records from his last duty station.

This is not the first time they've had this happen with a customer, and remember, you are the customer! It's just easier to deny the claim (and cause you stress) instead of helping you help them...

Your husband had to have a physical or as they are called, "medical" upon discharge, so there's a record on him out there, SOMEWHERE.

If you're truly at a loss ask your husband to contact your local veteran's affairs office - Or, he can phone the hospital/clinic where he was last seen at his last duty station. With his name, last rank and SSN you'll find records.

It's not hopeless.

Hang in there!

Janet
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Old 10-29-2007, 10:48 AM   #3
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Now that's good advice. Sounds like it would be easy to put it back on the insurance company that way. However, dealing with some of those people is next to impossible.
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Old 10-29-2007, 11:04 AM   #4
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Follow-Up: I didn’t want to leave ya hangin’. I called the insurance company, and found out the scoop. They have not denied him. They applied his appointments to his deductible. Much to my surprise, our deductible is $300 per person. Our bill was $160 for labs and appointments. We have a ppo. Open enrollment is in November, so I am going to definitely change us over to an HMO.
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