ADRSupport Community  

Go Back   ADRSupport Community > General Discussion > Insurance Hell

Insurance Hell All insurance-related matters are here: Medicare, worker's compensation, appeals, denials, insights, wins, losses. PRICING is here too. Note: This forum has posts from 2006 forward. Older ones are in the Big File.


Reply
 
Thread Tools
  #1  
Old 02-24-2015, 10:59 AM
Romakis's Avatar
Romakis Romakis is offline
Senior Member
 
Join Date: Jan 2015
Posts: 197
Default Is anyone familiar with Optima?

I currently have Optima, but can switch to Anthem BCBS in a couple of days, although it is a bit more expensive. Does anyone know if I should switch from Optima to Anthem, considering the fact that I might entertain an overseas' 2-level ADR?
__________________
46yo, DDD of L4-S1. Microdiscectomy L5-L4 in 2014. L4-L5-S1 M6 ADR with Dr. Clavel - June 2015.
Reply With Quote
  #2  
Old 02-24-2015, 03:51 PM
NJ Gene NJ Gene is offline
Senior Member
 
Join Date: Feb 2013
Posts: 376
Default

Make sure whatever plan you have has an "overseas rider".
__________________
Car Accident 2002 - Small Herniated Disc C3/C4
1998 Larger Herniation and Cervical Fusion C3/C4
2005 Herniation C4/C5 - 40 epidural steroid injections from Oct 2005, - Oct, 2007
2008 - Foraminotomy at C6/C7 on left side
Feb, 2010 - Cervical Fusion C4/C5
Dec, 2010 - Lumbar Fusion L3/L5
2013 - Bulge on C5/C6; herniation C6/C7 right side
Mar 26, 2013 - Foraminotomy at C6/C7 on right side
May 5, 2015 - ADR with Dr Blumenthal of TBI for C5/C6 using Mobi-C
Reply With Quote
  #3  
Old 02-24-2015, 10:13 PM
Romakis's Avatar
Romakis Romakis is offline
Senior Member
 
Join Date: Jan 2015
Posts: 197
Default

"Overseas emergency care only".
__________________
46yo, DDD of L4-S1. Microdiscectomy L5-L4 in 2014. L4-L5-S1 M6 ADR with Dr. Clavel - June 2015.
Reply With Quote
  #4  
Old 03-02-2015, 08:06 PM
Jerry5 Jerry5 is offline
Senior Member
 
Join Date: May 2013
Posts: 363
Default Anthem

Anthem did Fight me tooth and nail, but I had enough history.

They initially only paid the Hospital bill, but I gave them enough history, and they paid about 70% +/- of the Surgeons fees.(after a 4 month appeal)

It is hard to trust ANY insurance.

For what it is worth, I switched to Aetna, because they have a HDHP.

If you decide to pay, and take this from a personal savings, like a 401, then make sure you document everything, and all transactions with dates.

Try to get the reimbursement forms, in the mail as soon as you can, as soon as the surgery is over, put the forms in the mail (the doctor will have to sign them).
__________________
Jerry, Somewhere Ohio

L2-3 herniation, two days before Thanksgiving, 2012, Discectomy/Laminectomy, 3/13 Numbness in the right leg, lateral femoral, gone, July 10, 2014 L45 M6 ADR, July 15 PLIF L5-S1, Not able to access L51 Anterior.
Reply With Quote
Reply

Bookmarks

Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Does this sound familiar? mdesmond New Member Introductions 5 03-02-2012 07:54 PM


All times are GMT -4. The time now is 04:38 PM.


© Copyright 2006-2023 ADRSupport.org All rights reserved.