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insurance co denied radiation
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08/10/2009 16:46
horsegirl 
08/10/2009 16:46
horsegirl 
insurance co denied radiation

Hi, I'm a new member from Florida. My 52yr old husband was diagosed with early stages of Dupuytren in Jan. Although the nodule in his hand has grown bigger and multiplied it is not yet corded. The hand specialist said to wait until it contracts and then he'd preform surgury. I printed several articles from this site about radiation therapy and my primary presented this info to the insurance company but, they say "it is not medically necessary as according to guidelines diagnosis does not support medical necessity for use of external beam radiation therapy." My husband is a watchmaker and relies on his hands to make a living. I'm filing a grievance with the insurance co. but would like to know if anyone else has been sucessful. If I fail with the insurance co. is there a ball park figure for out-of-pocket payment for treatment for 1 hand? Looking forward to advice.

08/11/2009 13:01
lori 
08/11/2009 13:01
lori 
Re: insurance co denied radiation

Hi,

I am in the mddle of radiation therapy and just got the bill for the first half. It is around $6500.00 so I have to assume one should double that for the entire procedure. Some who have high deductibles have found it less expensive to go to Germany for treatment. Find Alan in Texas's info on this forum. He went there and if you contact him he might be able to tell you his cost.

Are you self insured? I am and am on a PPO. I had the same advice from a hand specialist. I found an oncologist who does radiation and had him look at my hand and get it approved. My GP could not help with insurance because they had never seen it before and could only take my word as to the kind of treatment I wanted.

I work in the health care profession and deal with insurance. When filing a grivance with the insurance company you will need to compare cost of surgery, short term disability, possibly side effects (possible nerve damage, etc.), physical therapy, and hardship on family if self imployed or company down time if employed. If they still say no, there is your state insurance commission you can complain to.

Lori

08/11/2009 15:04
horsegirl 
08/11/2009 15:04
horsegirl 
Re: insurance co denied radiation

Lori, many thanks for your information...you had many good points. I have an HMO insurance plan and the called today to let me know that until they review my appeal they won't send me any denial documentation.

08/11/2009 16:14
lori 
08/11/2009 16:14
lori 
Re: insurance co denied radiation

Diana is on an HMO and got hers approved. Ask her how her GP did it. Also back in the forum's past post are a couple of people who had HMO's. were denied and then received approval. i would search back keying in the word HMO to see if their post come up.

GOOD LUCK!

Lori

08/11/2009 19:59
Diana 
08/11/2009 19:59
Diana 
Re: insurance co denied radiation

okey dokey, Diana here - here's what happened to me.

I have an HMO.

April - diagnosed (after one mis diagnose) with Dupuytren's. Began researching the heck out of this disease and stated to the Orthopedist and then my Primary Care doctor that I was interested in radiation. (Neither had heard of NA or radiation for this - only surgery after contraction). My primary care doctor said she would refer me to the hand specialist (the plastic surgeon who also does hands) and a radiation oncologist but she said that she thought that approval with the radiation oncologist was iffy. She was right.

May - Got approval to hand surgeon apt. Was DENIED an appointment to radiation oncology (although my doctor kind of dropped the ball a bit by referring me to a local, but out of network, doctor). Made apt. with hand surgeon - no availability till end of June. Kept researching Dupuytren's. Began gathering data - both from this site and from others backing up radiation. Also during this time, I contacted the medical liason at my husband's work and was given good information on the process to get approval/appeal etc. Very helpful and eased my stress.

Also realized that my medical group had merged with Palo Alto and San Jose (I'm in Santa Cruz). I found out that I could call other hand specialists in the enlarged network and was able to get in to see a hand specialist on June 1. I had about 50-70 pages of documentation by then, put it in a binder and met with the hand surgeon. He didn't tell me anything I didn't know, in fact that he said I probably knew more about this disease than 90% of the doctors out there. (Bummer). I showed him my binder of information and he said he would like to keep it and that he was interested in the radiation, thought it could have some merit at the beginning stages while it is growing. Part 2 to follow:



08/11/2009 20:12
Diana 
08/11/2009 20:12
Diana 
Re: insurance co denied radiation

To continue:

June - Hand specialist referred me to Radiation Oncology. Meanwhile mid June I drove to San Diego and had an appointment with Dr. Tripuraneni. I paid for this appointment out of pocket, didn't even ask my insurance to cover it. When I got back, I had been approved for "ONE APPOINTMENT ONLY, NOT RADIATION" from my medical group. I had already contacted the radiation oncology dept. in Palo Alto and they were interested since Dr. Chang does radiation for keloid scar tissue. I had also made more copies of my binder and FedEX'd them the packet. I met with Dr. Chang. He had never done radiation for Dupuytren's and was slightly leery of doing it but after talking to a hand surgeon in Palo Alto who said that steroid shots weren't that effective (I know that many on this site have had good success with them which again indicates that treatment of this disease is baffling) he said that he would recommend radiation. Dr. Chang had read the studies and completely understood what was going on, much better then me.

I indicated that the gatekeepers in my Medical Group (so not the HMO - this is before it ever got to Health Net) said it was experimental. He said that he felt they would approve it after reading his recommendation. Shock of all shocks, they did! I have no clue what he said but whatever it was, it worked. The person through my husband's work - the medical specialist - thought that it was more likely to be approved with an in-network doctor. This is why I had Palo Alto do the radiation. Comfort level wise, I probably would have preferred to go to someone with more experience but I keep hearing that radiation isn't that complicated once they've figured out the problem and location.

I had radiation the second week of July. Part 3 to follow:

08/11/2009 20:26
Diana 
08/11/2009 20:26
Diana 
Re: insurance co denied radiation

Part 3

So my recommendations are that you find the HR person from work, if applicable, and explain your situation, gather up data and put it into an easy to read format - I had tabs etc. - sections on studies, clinics, "how to's", etc. You could also mention to them that Blue Cross and Medicare cover radiation for Dupuytren's. I think that helped. The HR person told me that just because many doctors don't do this procedure, it doesn't mean that it won't be approved. He was going to help me with my appeal but it never got to that stage. I also was doing Google searches on how to appeal a medical denial and again, that binder I put together would have really helped I believe.

It took around 3 months for all of this to happen and I kind of made it my part-time job. (I also called every US doctor/clinic on this website to try to get pricing and more info). We luckily had the money saved (as part of our charitable giving) so we were fully prepared for me to go to Germany or San Diego depending on cost. I do know that Germany is WAY cheaper than the US - I believe it was 800 Euros for the radiation. Of course you have to fly there, stay, eat, and get around. Dr. Tripuraneni's office will give you a quote and it will be smaller if you pay it out of pocket - I do not know what that price is though. They were extremely generous in the discount for my out of pocket consultation however.

Good luck to you and send me a private email if you would like me to mail you a copy of my binder. I have an extra one.

Diana

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