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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Adoption Agencies

Family & Children’s Agency
Norwalk, CT
U.S. Newborn, International
Children’s Connections, Inc.
Lubbock, TX
U.S. Newborn
TX
Building Blocks Adoption Service
Medina, OH
U.S. Newborn, Special Needs/Waiting Child
OH
Adoption by Shepherd Care
Hollywood, FL
U.S. Newborn, International
Family Life Services Adoption Agency
Lynchburg, VA
U.S. Newborn
ALL STATES
ALL STATES
ADOPTIONS FROM THE HEART
Wynnewood, PA
U.S. Newborn
A Love Beyond Borders
Denver, CO
International, Special Needs/Waiting Child
Evanston, IL
U.S. Newborn, International, Special Needs/Waiting Child
Adoption Circle
Columbus, OH
U.S. Newborn
Heart of Adoptions, Inc.
Tampa, FL
U.S. Newborn
Adopt for the Love of a Child (AdoptTLC)
Kingwood, TX
U.S. Newborn, International, Special Needs/Waiting Child
Tulsa, OK
International
Sumner, WA
International, Special Needs/Waiting Child
Caring for Kids, Inc.
Cuyahoga Falls, OH
U.S. Newborn, U.S. Foster
The Children’s Home Society of NJ
Trenton, NJ
U.S. Newborn
A Bond of Love Adoption Agency
Sarasota, FL
U.S. Newborn
Saint Louis, MO
U.S. Newborn, U.S. Foster, International, Special Needs/Waiting Child
The Barker Adoption Foundation
Bethesda, MD
U.S. Newborn, U.S. Foster, International, Special Needs/Waiting Child
La Crosse, WI
U.S. Newborn, International
Colorado Christian Services
Centennial, CO
U.S. Newborn
Courageous Hearts Adoptions, Inc.
Greenwood, IN
U.S. Newborn
Cradle of Hope Adoption Center
Silver Spring, MD
U.S. Newborn, International
Glendale, WI
U.S. Newborn, U.S. Foster, International
Adoptions of Indiana
Carmel, IN
U.S. Newborn
Bal Jagat – Children’s World Inc
Long Beach, CA
International
Heartsent Adoptions, Inc.
Orinda, CA
U.S. Newborn, International, Special Needs/Waiting Child
Pasadena, CA
U.S. Newborn, International, Special Needs/Waiting Child

See all adoption agencies >


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