momw/ic
02-17-2006, 07:54 AM
I posted this in reply to another post with questions about insurance coverage and botox. After posting I thought I would repost it here in the hopes that someone could learn from my experience. So, here it is:
My doc quoted me $1500 for my botox and said that if my insurance company denied it he would charge $750. So, we arranged to borrow the $750 from my parents and paid that up front "just in case". Well of course the insurance denied it and the doc's office said they sent in all of the info that the insurance co. wanted including medical necessity letters and medical journal articles.
Here is where my advice comes in: My doc came back and charged me another $750 saying that what I paid the day before the botox was my first installment. When we tried to fight them on it because we had proof of his original agreement he honored the agreement but sent me a certified letter releasing me as his patient. Now, I called the insurance co. and asked about appealing the decision and in the process I found out that they can send you the documentation from your doc. that they used to make their decision. So I had them send me copies of what my doc. sent them. Well, it was a small, flat envelope because my doc sent them nothing. Not even a letter of medical necessity! So, my warning is to plan to pay the full amount and get any agreements in writing. Since all of this we have received an additional notice that we owe $750 for my botox treatment. Apparently writing still means nothing. Also, ask your doc for copies of what they sent the ins. co. and keep them accountable. There is no telling how many times they don't really try to get ins. coverage for us.
The sad part about the whole thing is that the botox injections changed my life and really helped me and now I can't have it done again. Firstly because it is too expensive to continue to have to pay for and secondly because this fraud of a doctor is the only one within 6 hours of me who does the botox. The docs that are 6 hours away are not even on my out of network insurance coverage so that is not an option at all. So you see, I have found a treatment that gave me my life back. For the last 6 months I have been sleeping through the night and peeing about every 4-5 hours during the day. I have still had pain but with my pain management it has been much more manageable. Now that the botox is wearing off I am stuck to go back to living a life of sleep deprivation and constantly going pee and feeling like I need to pee. And the pain is much worse. It hurts so much to know that there is a treatment out there that works for me and I can't get it!
So that is my experience with botox, doctors and insurance.
My doc quoted me $1500 for my botox and said that if my insurance company denied it he would charge $750. So, we arranged to borrow the $750 from my parents and paid that up front "just in case". Well of course the insurance denied it and the doc's office said they sent in all of the info that the insurance co. wanted including medical necessity letters and medical journal articles.
Here is where my advice comes in: My doc came back and charged me another $750 saying that what I paid the day before the botox was my first installment. When we tried to fight them on it because we had proof of his original agreement he honored the agreement but sent me a certified letter releasing me as his patient. Now, I called the insurance co. and asked about appealing the decision and in the process I found out that they can send you the documentation from your doc. that they used to make their decision. So I had them send me copies of what my doc. sent them. Well, it was a small, flat envelope because my doc sent them nothing. Not even a letter of medical necessity! So, my warning is to plan to pay the full amount and get any agreements in writing. Since all of this we have received an additional notice that we owe $750 for my botox treatment. Apparently writing still means nothing. Also, ask your doc for copies of what they sent the ins. co. and keep them accountable. There is no telling how many times they don't really try to get ins. coverage for us.
The sad part about the whole thing is that the botox injections changed my life and really helped me and now I can't have it done again. Firstly because it is too expensive to continue to have to pay for and secondly because this fraud of a doctor is the only one within 6 hours of me who does the botox. The docs that are 6 hours away are not even on my out of network insurance coverage so that is not an option at all. So you see, I have found a treatment that gave me my life back. For the last 6 months I have been sleeping through the night and peeing about every 4-5 hours during the day. I have still had pain but with my pain management it has been much more manageable. Now that the botox is wearing off I am stuck to go back to living a life of sleep deprivation and constantly going pee and feeling like I need to pee. And the pain is much worse. It hurts so much to know that there is a treatment out there that works for me and I can't get it!
So that is my experience with botox, doctors and insurance.