They are not denying me treatment, just making sure that cheaper treatments don't work before prescribing the expensive ones. By expensive, I'm talking 40K a year.
The only thing that I am angry at them about is the amount of time it takes to get a decision. That is just plain and simple dereliction, IMHO.
But the rest of the stuff, having to qualify first by trying other meds, etc, I cannot say I wouldn't do too, if i were in their position. If other, effective and less expensive treatments exist, I would totally demand that folks try them first before ponying up the dough. Many have found relief with the less expensive routes, and if the insurance company did not do this, insurance rates would skyrocket for all of us. THat, by far, is the greater of the two evils.
Now, if they decide to deny my claim after all of the crap I've been through, when i met their requirments that they set out beforehand, THEN I'll be pissed. But i do not expect that to happen. They wouldn't do that because it would violate the agreement and set them up for a good lawsuit.
Again, to date, the insurance company has been fine, totally within their rights to require stuff from me. I am just mad at the delay in the decision making process in this case.
What ever the case may be Scott.. It's good to hear from you and know yer still Truck'n.
Your plight has come up here, a number of times. REAL good to here from you. The best of luck for a speedy recovery to some sort of normalcy.
Joe