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US health care, the best in the world?

Well at least how we pay for it is certainly in question.

Here's another in the continuing saga of health care woes another person (from one of the many health related message boards I belong to) just encountered in dealing with his health insurance company.
After receiving IVIG monthly for 1 1/2 years and no problems with insurance paying, had 1st treatment this month and denied. No change with insurance company or employer. Called insurance and they stated the drug is one of 6 that my company has chosen to bill under seperate drug benefit and not medical.  Called pharmacy plan and their notes on the drug state to call my company HR department as the drug is not covered.

Great news to find out friday after everyone is gone for the weekend...  This is the first battle that I have come upon since diagnosis and preparing myself to justify this treatment after I speak with the HR department and then whomever heads the committee that might have decided to not cover the drug. Any advise from others who might have run across similar denials.  Any organizations that people have found helpful to help fight such a thing?  Trying to stay optimistic that this will be resolved as I can't find $6000.00 per month to pay for this as most will understand.

That certainly isn't great news, and I sure hope he gets it resolved, but as health care costs and insurance premiums continue to rise, expect this to become common place as patients are expected to bare more of the burden of paying for their own health care.

This is just a perfect example of how little people understand their insurance policies. Most people don't know how under insured they are until they get sick, and need to use it. Then it's too late.

If we don't change the way we pay for and deliver health care in this country soon, only the richest among us will be able to afford health care.

[note]And in case anyone's interested why I'm not on my bike this AM, instead of reading message boards and posting to my blog, it's because the weather is still not cooperating here in southern CA. While the rain has stopped, the roads are still wet, and the temperature dipped below 40°F (my limit for going on a bike ride), so I'm stuck here in the house, again, without much else to do.[/note]

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