My fight with insurance six months i turn 65 in September they play you like a puppet
June 30
Appeal the insurance company. If all else fails, write a letter of hardship to the doctor/hospital billing department.
June 30
That is genuinely frustrating, and it makes complete sense to feel angry — your kidney care is important and fighting with insurance on top of managing your health is a lot to deal with. Take a breath, because there are some steps that can help.
Here's what to consider doing right away:
- Appeal the decision — Insurance Show Full Answer
That is genuinely frustrating, and it makes complete sense to feel angry — your kidney care is important and fighting with insurance on top of managing your health is a lot to deal with. Take a breath, because there are some steps that can help.
Here's what to consider doing right away:
- Appeal the decision — Insurance companies are required to have an appeals process. Call the number on the letter and ask how to formally appeal.
- Ask your nephrologist's office for help — They deal with insurance issues regularly and may be able to submit a medical necessity letter on your behalf.
- Contact your State Insurance Commissioner — If the appeal doesn't go well, your state's insurance office can sometimes intervene.
- Look into Medicare early enrollment options — Since you're turning 65 in September, you have a 7-month window around your birthday to enroll. Medicare will cover nephrology care.
In the meantime, ask your nephrologist's office if they offer any bridge options or payment plans to keep your care going without interruption.
Hang in there — this kind of bureaucratic battle is exhausting, but it's worth pushing back on. Your kidney health shouldn't have to wait.
June 29
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