Oh, and before your future tests, check with the insurance company yourself to make sure the preauthorization has gone through.
Sometimes paperwork gets lost from one worker to the next; someone thinks someone else took care of it. Either that, or they're just plain incompetent! Hopefully you can get this all worked out.
For those who have made use of the Compassionate Care programs available via Schering-Plough and Hoffman LaRoche in the U.S. and Canada and elsewhere for that matter - or simply know how they work - can you tell me how much of the overall cost these programs have covered for people? Do they cover everything the person's insurance company won't cover? Any information on how these work would be much appreciated. Thanks.
If you have insurance through work, you can contact human resources. If it's private insurance, you should call the company to check their policy. Sorry I'm not much help, but every insurance company is different.
In my opinion, I would stick with what you have. With what you have, at least you have a long history with them and whenever you do decide to do treatment, you'll be far more likely to get them to cover any costs whereas, a new copy would not be so much interested in footing the bill for a bunch of extra costs (as being on treatment totally racks up alot of medical costs), since you'd just be coming on board with them.
Like someone else said , the ONLY way to know how your insurance works and what is covered is to call your insurance and ask about your specific policy. I worked for a major health insurance company for years and the biggest mistake you can make is not calling them in advance. I also recommend finding out what options you have for permanent coverage for your baby.
If you live in Illinois you should get the state mandated coverage, even if your insurance is based out of Iowa. The laws pertain to your state and where you live. However, here's what your problem with your insurance could be....if for some reason your insurance is "SELF FUNDED"....they make up their own rules and don't have to follow state mandated laws. I believe BCBS has many employer groups that are self funded.
So the good news is no insurance company can deny you coverage because of your pregnancy. There is a bit of bad news, however. You are way past the enrollment period to get gov. Subsidized health insurance - insurance that you would have received a tax break on and the type that is heavily regulated in what they can and cannot do.
How come you don't sign up for your own insurance? Sounds like that would make everything simpler. I don't know if you can put baby on her insurance. But good luck love!
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