Ask AF: Insurance Hassles

When your insurance company denies payment for necessary medical tests, is there any recourse you can take?

Q: Our doctor ordered $1,000 in lab work for our daughter, whom we recently adopted internationally. My insurance company denied payment for the tests because my daughter had “no symptoms.” What can we do?

 

A: Ask your health care provider to adapt my standard letter [https://www.adoptivefamilies.com/how-to-adopt/sample-insurance-letter-for-international-adoptees/] that I’ve used (successfully!) in the past. Comparing the tests to screening for diabetes or heart disease may help your carrier understand why they’re necessary.

Also, record the name of everyone you speak with at the insurance company, along with the date and time and what you were promised during the conversation. You never know when these details may be helpful.

Good luck, and take heart — I have yet to have any lab tests rejected for payment on the second go-round with the insurance company.



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