Well, it has been a struggle but I won my appeal. Insurance company is BC of CA thru the Directors Guild of America. I was denied twice. I appealed to the Board of Trustees of the Directors Guild. The first step was that they sent it out to an independent review and they denied it. The Trustees decided to overturn it because of the complexity and unusual circumstances of my case.
I will be HAPPY to send any info, including my letter to anyone that needs it. I also received a very large packet from Charite/DePuy that had a large amount of info and guidelines for appealing. You can call them and have it sent to you - very easy!
However, I will not rest until the surgery is over as we all know how the insurance companies can turn our lives upside down.
Thank you, all of you for your support and help and will keep all posted.
Happy Holidays!!!!
__________________
Laura
Missing Facet Joint L5-S1
Collapsed Disc L4-5
DDD L3-4
Severe Stenosis
Disco + 3 levels
Sched. Oct. 11 - 2 level ADR & fusion
Dr. John Regan - L.A.
Awaiting approval!
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