Chronic Health Conditions Discussion and Support

I'm glad that the poster above has had a positive experience with her insurance carrier. I on the other hand did not. My son was diagnosed with Dermatomyositis in January of 1991. It took six months after he started having symptoms (rash, fatigue and muscle weakness) before my hmo doc would do the blood work I had requested in month one. After he was diagnosed it was a constant fight (ten years) with Blue Cross California Care regarding denials and delays. They deemed the use of Chemo and Chemo drugs to be "experimental" in regards to Dermatomyositis and denied coverage. On going Physical Therapy is very important yet they would only cover 90 days per year. I would fight and prove that it was not experimental and PT was a covered expense, only to have to do it all over again on a yearly basis. This left wide gaps in insurance payments for meds and medical care that I had to pay for. After year three I finally had to sell my home to cover medical cost my insurance company denied. The worst part is my son was left disabled in part by the delay in diagnoses and proper care.



btw my premium was over $600 a month.