AboutTricia Expertise Has your medical insurance company denied your claim and refuses to pay? Have
you received a pre-authorization and still your insurance company
refuses to pay? How can you get your insurance company to reverse a
denied claim? How do you get a provider to waive your copayment if you
are financially unable to pay? Can a provider sue you for a unpaid bill and
will they? Can a provider send me to a collection agency for a medical bill?
If my insurance company does not pay, am I responsible? If you have these questions or others on why your insurance company is not paying your bills, I can help. I can give you "tricks of the trade" to get your insurance company to pay.
I have limited knowledge on Medicare and Medicaid and that is not my expertise. Each state is very different regarding Medicare and Medicaid so you need to review their website when you have questions. So please no Medicare or Medicaid questions!!
Experience In the medical field for over 20 years spending majority of time in the collections aspect.
Question I went to my medical doctor and he felt that I should get my extra skin removed from my stomach. He referred me to a cosmetic surgeon who also agreed. He took pictures and submitted it to my insurance company United HealthCare. They denied any coverage for this procedure. It costs around $6,000.00. I don't have the money. I am a college student. I don't want to live with this extra skin. Dying is the only way out. I told my doctors how I felt and that is why they felt it would be a good idea for the surgery. Years ago I was heavier and then I developed a healthy lifestyle; with eating right and excersing. I am still an avid exerciser but this skin does not go away. I am 18 years old. I weigh 130 pounds. So how can I get the insurance company to pay for this procedure? My Mom has been laid-off, so she doesn't have the money. Can you help me?
Answer Hi Forrest!
Most insurance companies do not pay for cosmetic procedures. They only have to pay for medically necessary procedures.
You can try an appeal proving that this surgery is needed due to medical reasons with a note from the Dr however probably they will still not pay.
Only thing to do is probably try to negotiate the price for a "private pay" rate------which means you have no insurance coverage for this procedure.
