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.



EVERY STEP OF THE WAY
Free newsletters to guide you through the adoption process — from application to home study to waiting and beyond.

Adoption Agencies

Family & Children’s Agency
City
Norwalk
CT
Adoption Routes/Programs
U.S. Newborn, International
Agape Adoptions
City
Sumner
WA
Adoption Routes/Programs
International, Special Needs/Waiting Child
City
La Crosse
WI
Adoption Routes/Programs
U.S. Newborn, International
City
Evanston
IL
Adoption Routes/Programs
U.S. Newborn, International, Special Needs/Waiting Child
Adoption Choice Inc.
City
Green Bay
WI
Adoption Routes/Programs
U.S. Newborn, U.S. Foster, International
ADOPTIONS FROM THE HEART
City
Wynnewood
PA
Adoption Routes/Programs
U.S. Newborn

See all adoption agencies >


Copyright © 1999-2024 Adoptive Families Magazine®. All rights reserved. For personal use only. Reproduction in whole or in part without permission is prohibited.

More articles like this

Elizabeth Curry with some of her children featured in May M. Tchao's documentary Hayden and Her Family.
Top