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Is Everything Okay? Insurance Coverage Included?

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Is Everything Okay?  Insurance Coverage Included?

I asked the first question but forgot to check insurance along the way.

Usually, my six month appointment goes well, but this time when I asked her if everything was okay she said, “I don’t know.”  The next 24 hours became a blur. She ordered an ultrasound but the Women’s Center made me get a mammogram, too.  Mammograms are so painful for me.

The time leading up to the ultrasound seemed like weeks even though it was only 24 hours.

My initial reaction to everything sent me right back to where I was 6 years ago.  I was so upset.  I had a few minutes where the doubt began to creep in my mind.  When I came home I told my husband about the ultrasound. Also, I told him that if I needed a biopsy that I was going to cancel….STOP RIGHT THERE…

Then I said, “NO…I’m not going to cancel anything.  If I need to fight this battle again, I will not change my schedule.”  He encouraged me that it was going to be okay.

While waiting for the appointment, I prayed, spent some time with my grandchildren, and listened to praise and worship music.

Is everything okay?  I am thankful to report…YES, Yes it is.  I was reminded this week of just how precious life is…just how undeserving I am to have this second chance…just how blessed I am by a supportive husband and daughters…just how blessed I am by my three grandchildren…and the promise in Joel 2:25…”God can restore what is broken…”

Is everything okay?  YES!

Everything is fine with my health.  However, I just found out a couple of weeks ago that I’m being penalized for being a survivor. I went to the business office to make sure they had filed the claim with the correct Health Insurance and found out that the insurance is not covering my ultrasound and mammogram.  The person who helped me find this out is also a breast cancer survivor and she said that basically, we are being penalized for being a survivor because the insurance company would not pay for the mammogram, calling it a diagnostic screening.

Diagnostic screenings are used to prevent further progression of possible disease.  According to that policy, my insurance would rather pay for chemotherapy than a diagnostic screening to prevent needing the chemo.  I am still communicating with both the insurance and the medical center.

It is imperative that you know your coverage and question the medical team to avoid these types of charges.  I know this happens daily to unsuspecting people.  YOU are the most important advocate for yourself. Ask questions and  know your insurance policy.

Have you had this happen to you?  Leave me a comment and tell me about it.

Be Blessed.

Laura