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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.

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Old 02-08-2009, 03:34 PM
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Harrison Harrison is offline
Join Date: Oct 2004
Posts: 7,014
Exclamation Changing Insurance Plans & Prices

As the president tries to get our economy back on track, it is only a matter of time before the healthcare behemoth is attacked from all legislative sides...

In the meantime, I recently changed insurance plans and it was not easy. Here are a few ideas relative to choosing a new insurance plan:
  • This site offers some tools to find all kinds of different insurance plans:
  • I used a similar site to compare the prices among different insurance companies in the state of Mass. The attached doc shows the prices for two people (me and my spouse). I believe the prices vary widely between states; I’d be curious what other people are paying.
  • The first topic in this forum provides a list of insurance companies that provide insurance coverage for ADR; this list is old but is a good reference and starting place when comparison shopping.
Hope this helps! What other folks paying for monthly insurance premiums? How much is subsidized by your employers?
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File Type: pdf Mass Health Insurance.pdf (72.0 KB, 6 views)
"Harrison" - info (at)
Fell on my ***winter 2003, Canceled fusion April 6 2004
Reborn June 25th, 2004, L5-S1 ADR Charite in Boston
Founder & moderator of ADRSupport - 2004
Founder Arthroplasty Patient Foundation a 501(c)(3) - 2006
Creator & producer, Why Am I Still Sick? - 2012
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Old 02-08-2009, 11:51 PM
gjmorse gjmorse is offline
Junior Member
Join Date: Nov 2008
Posts: 3
Default Aetna just paid 100% for my 2 level adr at Stenum

I had Aetna with out of network coverage. I had to pre-pay Stenum out of my pocket.

Included in my submission to Aetna were the following;
1. Included the surgery detailed bill from Stenum.

2. I then added a cover letter with the complete history of my back, including the different treatment options that i could have done instead of ADR.

3. I also included the x-rays from Stenum.

4. I also included the email correspondance from Stenum with the surgeons.

5. I also included my Bank of America Money transfers to Stenum.

Then I submitted this large package to Aetna. Starting a month after submission I called them every week.

In the end Aetna paid 100% and even late interest. I am very happy with them.
Gary Morse
2 Maverick ADRS - Stenum October 24, 2008
L3-L4, L4-L5
Great Experience! (at Octoberfest 4 days after surgery)
What I did right - strong abs and stretching before surgery.
What I did wrong; Not enough stretching before surgery. Muscle cramps not under control.
Worst part after surgery; The cramps - finally fixed with potassium, magnesium, and calcium supplements plus lots of water.
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