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When will Insurers get it?
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02/15/2006 23:34
BobN 
02/15/2006 23:34
BobN 
When will Insurers get it?

Hi All,

I recently filed a grievance case for denying coverage to go out-of-plan to have NA. I made the case as so many others have (costs, scarring, pain, therapy, etc.). The denial was simply based on my plan coverage - no out of plan care unless it is emergency care.

There is no argument for this denial, I simply have no coverage for it. The review was carried out by a board certified INTERNIST - not hand surgeon, not orthopedic surgeon, an internist! It is an insult to my intelligence. To further insult me, they claim that acceptable surgical techniques are available within the plan coverage area.

I live in New England, where theoretically the best medical care is available in the world. I saw three hand surgeons. None wanted to discuss NA, None would discuss segmental (Moermans). All each of them would offer is to remove as much of the diseased tissue as possible, close up my hand and send me to "the finest hand physical therapy team" in New England.

Why do these otherwise competent surgeons feel that cutting a hand open (on people who all scar easily and prolifically) is the best course of action?

When will they get it? I think it will be a long time. It feels like we deal with old woodworkers - tried and true techniques are the only way to go, even if the joint is a little crooked - instead of using the latest tool for the job.

While I plan to go ahead with out-of-pocket expenses, I can't imagine what choices may be made for me when other parts of my body fail. If it weren't for this forum, I probably would have simply agreed to get cut up.

Thank you all for sharing your knowledge and experiences that has convinced me that NA is always the first choice - whatever the cost. I'll just have to save up. ;-)

Bob

02/15/2006 23:41
Randy H.

not registered

02/15/2006 23:41
Randy H.

not registered

Some Perspective

BobN, Congrats!

I believe the insurance companies will Get It when the majority of CHS Get It. Trust me. *Many* here share your frustration. Some have gone so far as to denigrate the hand surgical profession, which I think is a bit extreme. But, we've all had out eyes opened to the incredible conservatism within many segments of the medical establishment. ****Wow!****

Where CHS get their notions are from *other* CHS who have gone before them. Where else? They generally don't listen to their patients about "miracle" procedures that their little fraternity doesn't recognize.

As an example, the CHS who did my OS had consistently called NA "Snake Oil". Nothing I could say would make him take me seriously. However, one little chat with CHS Prosper Benjamin (new NA practitioner) and now he's keeping an eye on Eaton and will go to his presentation, should it occur. After seeing my NA, and my difficult reaction to OS, he now feels that NA should me *my* first choice. Frankly, he'd rather not cut me again. Now *that's* progress. But it was a fellow CHS that got to him, not little old me.

But remember, Eaton himself "Got It" because he *did* listen to *one* patient and it changed his life. This has all been "patient driven" from the first, and will continue to be so for a while longer. Like an old crank-up engine, we have to prime the pump to get it started.

The bottom line is that we are, we *are* making good progress. Three years ago we had Zero NA in the US. Now we have seven surgeons offering it. As long as this site stays up (or Wolfgang's as a back up) we will continue to move forward. The more people who are trying NA first, the better.

"Nothing can stop a good idea who's time has come."

02/15/2006 23:34
Wolfgang

not registered

02/15/2006 23:34
Wolfgang

not registered

learning curve

Another story to keep the spirit up:

We recently found another doctor in Germany who does NA (wow, that doubled the number!). He told us that he got into NA because his father, having Dupuytren, wanted to avoid surgery. So his son found out about NA and his father was his first patient. That was 4 years ago and since then he is practicing it on a more or less regular basis and patients love it.

Progress is slow but it's on its way.

Wolfgang

02/15/2006 23:46
.

not registered

02/15/2006 23:46
.

not registered

Thanks Randy and Wolfgang

Wolfgang,

Where did he learn how to do it?

.

02/15/2006 23:55
BobN 
02/15/2006 23:55
BobN 
Thanks Randy and Wolfgang

It is forums like this and Wolfgang's site that keep us informed and able to make the best decisions for us. I recall my mother saying that whatever the doctor said to do, she would do. It's an old belief system that they are all experts. We find different. Now that the internet allows us to share information, we become much more in control of our destiny.

(But the thing that really ticked me off was the internist evaluating my hand procedure request. If most hand surgeons won't discuss it, what in the world would an internist be thinking?)

Thanks for the spirit raising efforts - it works!

Bob

02/15/2006 23:39
Randy H.

not registered

02/15/2006 23:39
Randy H.

not registered

BobN

"What in the world would an internist be thinking?"

Nothing. OS all that exists.

08/18/2006 23:41
Diane

not registered

08/18/2006 23:41
Diane

not registered

Insurance coverage

If its any help, my NA performed by Dr. Denkler in May was covered by Blue Cross Blue Shield of California. I called them and told them the procedure codes listed on Denkler's website. They didn't pay a whole lot because I have a $500 decuctable for out of network services and they pay only 70% after that. When I talked with them they told me I should have used someone in their network. I told them there were only a very few doctors in the nation who do this and none are in their network and that having this procedure saved them many thousands of dollars. Two years ago they covered my traditional surgery and all that cost them at least 10 times more. Of course they had no response but it felt good to tell them that.

08/18/2006 23:43
BobN 
08/18/2006 23:43
BobN 
Another NA insurance denial

Thanks Diane. The only reason they are giving me such a hard time is that it was out of network for me too. They won't cover any portion because they feel it is medically unecessary. Yet they would have paid 10 times as much in-network even if it wasn't in their opinion medically necessary.
THe standard of care is Open surgery. It ticks me off when the standard involves long recovery and net same outcome vs. NA. I tried 3 other doctors in New England - all want to cut it out not straighten my hand.
I need my other hand done, but am waiting as long as I can to finish the appeal process and fight for coverage.

08/20/2006 23:16
Luba M.

not registered

08/20/2006 23:16
Luba M.

not registered

Blue Cross coverage of NA

Diane,
Its good to know that Blue Cross covered the procedure with Dr. Denkler. Mine was done with him 7/24 and I am wondering how long it took for them to reimburse you. Do they cover the whole cost? My plan only has $100 deductible (which I have met for the year) and then they pay 80%. If I have problems with their reimbursement, I might ask you more details about how you got it done, if its ok with you.

08/20/2006 23:13
BobN 
08/20/2006 23:13
BobN 
Blue Cross coverage of NA

The interesting item in my fruitless efforts so far is that the BCBS Mass Chapter tells me the "standard" of care is surgery. If other BCBS chapters (NJ, CA, FL, etc.) are reimbursing for this procedure, I have to wonder how "standard" is the "standard of care" in BCBS? How can the standard of care be limited by state boundaries?

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