jillio
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- Jun 14, 2006
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I guess the insurance company was picky. I would probably do the same if I was an insurance company.
If I were to agree to pay for this "experimental procedure", then I would have a bunch of people running to me asking me to pay for their "experimental procedures" as well.
There are a lot of "experimental procedures" for deafness and blindness. I'm sure a lot of people would go for that if insurance companies agreed to help out.
But when an experimental procedure is the only think available that will treat such a rare disease like this, it creates a whole different situation. There are experimental procedures for all kinds of medical treatment. But there is also usually an alternative treatment that is not experimental that has proven to be effective. So the insureance company will pay for the alternative. This kid had no alternative. This was the only thing that would treat his disorder. The insurance company should have guidelines in place that will allow payment for an experimental procedure for a rare disease in which there is no laternative treatment.
Insurance company employees spend far too much time trying to practice medicine. They are not qualified to do so. Personally, I don't believe that a claims processor with a high school diploma has any business telling a physican whether recommended treatment is a necessary procedure or not. But they do it all the time. It absurd.
Definitely a huge relief for his parents.
for provide interesting link. It´s new to me.