My dad was a doctor. Dad told me on several occasions that if I ever came home and said I wanted to follow in his footsteps and become a doctor too, he’d lock me in my room for seven years. One of the reasons for this was because he hated dealing with insurance companies. I vividly remember going out to the mailbox one day and finding a letter addressed to Dr. Farquhar, with a very angry note written on the front of the envelope: PLS LET THE DR READ THE LTR. I asked what this was about, and Dad said insurance was refusing to pay for a patient’s treatment. He said it happened a lot.
Now I’m 33, and my insurance was refusing to pay for treatment my wife needed. The best-case scenario without her medication would have involved numerous hospitalizations. The worst-case scenario? Coma or stroke if a lot of things went wrong. If everything went wrong, death wasn’t out of the question.
Here’s what I did about it.