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Breast Cancer (Expert Forum)
MICROCALCIFICATIONS § HEALTH INSURANCE
Questions posted in the Breast Cancer Forum are answered by medical professionals from The Cleveland Clinic. Topics include Breast Biopsy, Chemotherapy, Hormone Therapy, Lumps, Lumpectomy, Lymph node dissection, Lymphedema, Mammograms, Mastectomy, Radiation Therapy, Reconstruction, Self Breast Exam, and Surgery.
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MICROCALCIFICATIONS § HEALTH INSURANCE
by MariaE431, Dec 11, 2002 12:00AM
Hello,
IS THIS POSSIBLE? :
On Feb 2001 I had a mamography with results of microcalcifications and recommended biopsy or another mamography in 6 months. I did take the next mamo on Oct2001 which had no variation and recommended to have another in 6 more months. At the end of the year the company were I work changed the health insurance co. The new company excluded any treatment on breasts because of my "antecedents". Until then I realized something might be wrong because all what my doctor had said it might means nothing. As a matter of fact I did not take mamos until November 2002, mainly because now I have no insurance on this part of my body. My last mamography (Nov 02) was made by a health social institution and before the mamography I handed my 2 previous mamos.
The report reads: Small breast with high density pattern. No nodels, or microcalcifications, or distorcions in the glandular area. Multiple auxiliar glands in normal aspects in both sides.
Conclusion: Breasts in normal parameters.
There are not changes compared with previous mamos (25/10-01).
Annual check ups are recommended.
To my understandg with this new mamography (made by another machine, radiologist & equipment) there is nothing wrong with me, isnt it?
Can I ask to my health insurance company to reconsider its past rejection of coverg? tks
IS THIS POSSIBLE? :
On Feb 2001 I had a mamography with results of microcalcifications and recommended biopsy or another mamography in 6 months. I did take the next mamo on Oct2001 which had no variation and recommended to have another in 6 more months. At the end of the year the company were I work changed the health insurance co. The new company excluded any treatment on breasts because of my "antecedents". Until then I realized something might be wrong because all what my doctor had said it might means nothing. As a matter of fact I did not take mamos until November 2002, mainly because now I have no insurance on this part of my body. My last mamography (Nov 02) was made by a health social institution and before the mamography I handed my 2 previous mamos.
The report reads: Small breast with high density pattern. No nodels, or microcalcifications, or distorcions in the glandular area. Multiple auxiliar glands in normal aspects in both sides.
Conclusion: Breasts in normal parameters.
There are not changes compared with previous mamos (25/10-01).
Annual check ups are recommended.
To my understandg with this new mamography (made by another machine, radiologist & equipment) there is nothing wrong with me, isnt it?
Can I ask to my health insurance company to reconsider its past rejection of coverg? tks
Doctor's Answer
by CCF-RN,MSN-rf, Dec 11, 2002 12:00AM
Dear MariaE431: Based on your typed report, there are no abnormalities. I would definately ask your insurance company to reconsider. As it would happen, most insurance carriers can deny coverage for a period of time (a year) but not forever. You should check with your benefits department.
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The key is you have to have been continuously covered. So if you were covered during the time when you had the mammo's, and then all that happened was your company changed insurers, they absolutely can't deny you. If you changed jobs, or had a lapse in insurance greater than 60 days, then you are subject to a waiting period, usually 90 days, before they will pick up coverage again.
FOLLOW UP WITH THE INSURANCE CO. Don't let the bastards get you down.