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CIGNA Refusal to Cover
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07/19/2010 19:05
JPCyclist 
07/19/2010 19:05
JPCyclist 
CIGNA Refusal to Cover

I haven't looked at this site for a long time -- it seems much less disabled by spam. I couldn't find anything specificallyon my topic, so hopefully it hasn't been covered recently.

Background - my Dupuytren's has been a nuisance for over 10 years now. I first had NA performed by Dr. Lermusiaux in Paris - I did this twice, around 2-3 years apart. A couple of years ago I decided to have NA done in the US by a Paris-trained physician. I had both hands done at different times a few weeks apart. I am not going to use names, because they are irrelevant. The procedure was successful and all was well.

Here is the issue - my insurance company, CIGNA, reimbursed the doctor and the facility in which the procedure was performed. Subsequently CIGNA came back to the facility and recouped their reimbursement basically claiming that the procedure was unproven technology/intervention. I am still fighting this two years later. Interestingly, they have not gone back to the physician. Meanwhile I have returned to Paris to have NA from Dr. Badois, again successful and a good experience. I will not seek this treatment again in the US. (Don't get me started on this, as it is a symptom of the dysfunction and ineffectiveness of our health systems.)

Has anyone else had experience with CIGNA reimbursing or refusing to reimburse for NA? Has anyone gone through the claims process with CIGNA? Any related experiences would be appreciated.

Thank you.

07/19/2010 19:59
lori 
07/19/2010 19:59
lori 
Re: CIGNA Refusal to Cover

I remember Diana had problems but finally got it approved. I don't know if it was with cigna but the procedure should work for getting it approved, no matter the insurance company. Go back to the 8/09 threads under insurance or search under "Diana" . (I was able to find it quicker by searching under her name). and you will find her threads about the process she used to get it approved. She went to the hand specialist first and was denied. She then printed research and took it to an in network RT doctor who then went to the insurance company and helped her get it approved. Also if you are employed your HR dept. should be able to help you with Cigna. Since medicare pays for it then it is an approved method of treatment. Mine was covered by BCBS. Any questions let me know and I will try to help.

Lori

07/19/2010 22:21
jimh 
07/19/2010 22:21
jimh 
Re: CIGNA Refusal to Cover

It's ironic that they rejected the treatment as "unproven" when you could walk into their office, lay your hands on a desk and show them that in fact it worked quite well.

07/19/2010 23:52
JPCyclist 
07/19/2010 23:52
JPCyclist 
Re: CIGNA Refusal to Cover

What is even more ironic is that CIGNA on their own site where they provide health information (9 pages of it just on "Dupuytren's Disease") say,

"Needle aponeurotomy is a form of fasciotomy that is done as an outpatient procedure with local anesthesia. It has been done for several years in France, but it is just being introduced in the United States. This procedure may be good for people who cannot have surgery, or as a way to delay surgery. But it only partially corrects pulling or contracture between the fingers and the palm. Also, there is chance of damaging nerves of the adjacent fingers, and there is a high chance the contracture will come back."

which is more notable for what it doesn't say than what it does (meaning that no comparison is made with "conventional" surgery for Dupuytren's--you have to look under "Surgery" where they say, "Surgery is the main treatment option for severe cases of Dupuytren's disease. The goal of surgery is to restore the use of your fingers and hand. In most cases, surgery removes the diseased soft-tissue bands that connect your finger joints to the palm, and may involve a skin graft. Total hand function may not be completely restored by surgery. Even with successful surgery, thickened palm tissue may develop again in the same place or in a new area of the hands. Reoperation is often necessary to keep hand function."). How do the two differ? Oh, with NA there is no skin graft and weeks of recovery.

I also especially like the fact that they refer to the fact that NA has been done "...for several years in France,..." er, yeah for about fifty years. Nevertheless the fact that it is on their own website and presented as something more than "unproven technology/intervention" is interesting indeed.

07/21/2010 14:34
Diana 
07/21/2010 14:34
Diana 
Re: CIGNA Refusal to Cover

I had a problem with Palo Alto Medical Foundation of Santa Cruz initially denying my request for radiation. Although my health insurance was Health Net, they never had the chance to approve/deny coverage because Santa Cruz refused to consider it initially. (I felt I had a pretty good chance of eventually getting approved as Health Net had allowed others to get radiation per Dr. Tripuraneni's staff).

My advice from my own experience is persistance, data, research, and assistance.

Persistence in calling and asking why it wouldn't be covered and what they needed.
Data in finding and printing out everything I could on the treatment. Making an appointment with Dr. T in San Diego to discuss my options and paying for it out of pocket.
Research in learning how others have gotten approval after being denied by their health insurance.

The latter two were mainly done using the internet.

Finally, the benefits person- the advocate for health insurance - at UC Santa Cruz was extremely helpful to me and gave me advice. One bit was that they would prefer I use an in-network provider which is why after the radiation was finally approved, I went with Dr. Chang in Palo Alto vs Dr. T.

As I've posted before on this site, it was practically a half-time job before I got approval.

Good luck to all of you.

Diana

07/21/2010 14:54
wach 

Administrator

07/21/2010 14:54
wach 

Administrator

Re: CIGNA Refusal to Cover

That nearly sounds like what my favourite quality guru, Tom Peters, once suggested:

"The only magic is brute consistence, persistence, and attention to detail."

Good luck to all of you! What is the use of a health insurance if they don't pay the therapy?

Wolfgang

07/21/2010 23:39
jimh 
07/21/2010 23:39
jimh 
Re: CIGNA Refusal to Cover

It's very unfortunate that the CIGNA web site contains such blatant misinformation. Obvously that material was provided by a conventional hand surgeon who was uninformed about the procedure, or unfairly biased against it. There are a couple of points that I'd describe as simply untruthful.

Health insurers have to make policy somehow, and have to rely on paid medical experts who aren't perfect. The question I have is, how does this material - and the policy it supports - ever get changed? Is there a path by which newer or better information can be admitted, causing policy to be updated?

07/21/2010 23:49
callie 
07/21/2010 23:49
callie 
Re: CIGNA Refusal to Cover

Did it have anything to do with having NA done four times in 10 years? They might not have considered that as successful as you thought.

07/22/2010 16:30
bstenman 
07/22/2010 16:30
bstenman 
Re: CIGNA Refusal to Cover

Health insurance company employees have strong financial incentives to deny coverage whenever possible and in so doing maximize company profits. In 2014 it will be possible to shop around with other insurance providers and not worry about a pre-existing condition.

All you can do is continue to appeal the decision and take up as much of their time, especially upper management's time as possible. Letters to the president, VP's, board members, and the like will make you someone they want to have go away. You can also take them to small claims court as the dollar amount of a NA procedure is going to be less than the maximum allowed.
They expect you to quietly go away but don't do it.

It was cheaper for me to go to Germany for XRT as a US citizen than to get the same treatment performed at the UCSF Medical Center (teaching hospital) in San Francisco even with my Blue Cross / Anthem insurance coverage. That is simply the way health care works when capitalism puts profits above people in our laissez-faire plutocracy that so many people mistake for a democracy.

07/22/2010 18:43
jimh 
07/22/2010 18:43
jimh 
Re: CIGNA Refusal to Cover

callie,
I've had 2 conventional surgeries and 1 NA.

An NA procedure might take about an hour, and has essentially no recovery time. The doctors performing NA in France have charged very little, compared to the cost of conventional surgery. There's no buildup of scar tissue, no tedious wound dressing, no swelling that persists for months, no need for physical therapy. In my opinion managing this problem with 4 NA sessions in 10 years represents a real success - physically, financially, time lost during recovery, risk of infection. They only reason one would want a conventional surgery, today, would be a contracture that can't be released by NA.

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