My ex recently changed my insurance plan again, this time to Humana, and I found out that although they will cover my back, they are out of network with Dr. Moreno - the only doctor I feel to be good enough to do surgery on me in my area. So I applied to United Healthcare as I'd heard their deductible was only $3,500 and they pay everything else, but today they declined my application due to scoliosis.
So Humana seem to be my only option, however their out of network deductible is $16,000 and then I have to pay 30% up to $28,000, so basically I'd have to pay $42,000 and then anything else the hospital may charge or my doctor may charge me. My doctor's admin called me and said they will talk to Dr. Moreno today and tell him my situation, and see if they can come up with some sort of plan for me.
This is just so upsetting, because with this pre-existing condition of scoliosis, absolutely no insurance company wants to know - so here I am, been told by Dr. Moreno that it's really important to get this surgery otherwise he won't be able to do much correction once it gets over 90 degrees, what the heck do I do? Feel like I'm in a corner and whichever way I turn I'm banging my head against a brick wall, between my ex trying to reduce my income whilst he still has personal trainer twice a week, re-marries and takes his wife on vacations, and then no medical company wants to insure me - aaaggghhhhh!!!
Oh well, I'm sure God has a plan - maybe this is his way of saying - "Lynette, don't have the surgery"
Thanks for listening to me vent, and if anyone else knows what I can do to get this surgery I'd love to hear it. Remember I've been in the country 13 years, prior to that I was in England and born in Ireland. So I'm not entitled to any medicare type thing I'm pretty sure of that.
God bless to all of you, and hope you are all doing well,
Lynette.
So Humana seem to be my only option, however their out of network deductible is $16,000 and then I have to pay 30% up to $28,000, so basically I'd have to pay $42,000 and then anything else the hospital may charge or my doctor may charge me. My doctor's admin called me and said they will talk to Dr. Moreno today and tell him my situation, and see if they can come up with some sort of plan for me.
This is just so upsetting, because with this pre-existing condition of scoliosis, absolutely no insurance company wants to know - so here I am, been told by Dr. Moreno that it's really important to get this surgery otherwise he won't be able to do much correction once it gets over 90 degrees, what the heck do I do? Feel like I'm in a corner and whichever way I turn I'm banging my head against a brick wall, between my ex trying to reduce my income whilst he still has personal trainer twice a week, re-marries and takes his wife on vacations, and then no medical company wants to insure me - aaaggghhhhh!!!
Oh well, I'm sure God has a plan - maybe this is his way of saying - "Lynette, don't have the surgery"
Thanks for listening to me vent, and if anyone else knows what I can do to get this surgery I'd love to hear it. Remember I've been in the country 13 years, prior to that I was in England and born in Ireland. So I'm not entitled to any medicare type thing I'm pretty sure of that.
God bless to all of you, and hope you are all doing well,
Lynette.
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