margiej wrote:Do others have this problem? I feel like my cancer treatment and, potentially, my life are dictated by insurance companies.
Yes, others have this problem. Insurance companies have dictated health coverage for the last 40 years I'd say. Began with pre-authorizations required for certain procedures/surgeries in an effort to reduce unnecessary surgeries AND THEN medications that doctors can prescribe as well. Allergy clinic I went to had to hire on a person just to handle pre-auths for Rx's for patients.
Last year insurance companies continue to narrow the scope of docs & hospitals allowed by county through Obamacare. You should speak w/the two companies, or get an agent (no charge to you). If the medical care you need is not available within your coverage area, they may provide some benefit if you have to go out of network. Surprised they don't include @ least ONE major hospital in your area.
In my area, they even had PART of ONE additional county listed. I joked that you better be careful what side of the street you're having lunch in case something happens!
DSS,35YO,unresect mCRC DX 7/'14,lvr,LN,peri,rib
FOLFOX+Avstn 4 Rnds d/c 10/'14
Gone From My Sight 2/20/15
Me:garden variety polyps + precancerous polyp, diverticulitis
Carergver x2 DH,DM dbl occupancy,'03-'10
DH dx 47YO mCRC,'04-'07 fried x HAI
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