Sorry I couldn't visit with you yesterday but I was otherwise engaged.
Last spring I contracted shingles. Believe me, I would not wish this on my worst enemy. I have a very high tolerance for pain but this was simply beyond the pale. It's impossible to adequately convey the insane amount of pain involved. Suffice to say that a person could easily become addicted to pain medications faced with such an outbreak.
Unfortunately, due to my age and other medical problems I developed a condition in which the pain continues, in a greatly reduced intensity, for up to one year. My physician prescribed a drug which was a godsend to me, allowing me to create a somewhat normal lifestyle.
For some reason I mistakenly believed that I had refills, when in reality I was on my last few pills. No matter, the pharmacy faxed the doctors office requesting a refill. Days later I discovered that the insurance company was requiring the doctor to provide proof that it was medically neccessary. You know, I really don't think physicians are in the habit of prescribing meds that aren't necessary and the cost of the medication makes it unlikely that a patient will fork over the money unless absolutely necessary.
I could be wrong.
I'm still waiting on an answer and unfortunately my actiivity level has suffered. Most of yesterday was spent in bed with little energy to do much but read.
This is just a very small problem in the "world-of-insurance" and there are many people who are faced with huge battles involving life threatening situations. My sister has been put in the unenviable position of being a dragon slayer when it comes to dealing with insurance companies on behalf of her daughter (a transplant patient).
An acquaintance of mine quit his medical practice in disgust saying, "I struggled through many years of medical school and training to treat patients NOT to spent my entire day battling with insurance companies".
I'll be on the phone today, directly to the insurance company, rattling cages and slaying some dragons of my own.
I know there are plenty of horror stories out there. What's your experience?