Possible help for those denied in Indiana

For those of you that have been denied, there may be help for you in the coverage mandated by the state of Indiana.  There is an article on MSNBC.com "

9 things insurers don't want you to know

 

".  For the full article please go to : http://www.msnbc.msn.com/id/20186938 The following is just an excerpt:

What your state says insurance must cover Many people don’t know that each state has a mandate of treatments that forces health plans to cover certain treatments, regardless of what the insurance company policy is, says Orin.

Some mandates, reprinted in Orin’s book “Making Them Pay,” ordered coverage for some surprising things, including infertility expenses (Illinois, Montana, New York and other states), toupees and wigs for cancer patients (Massachusetts), surgery for morbid obesity ( Indiana ), cochlear implants (Kentucky) and baseline testing for lead poisoning in children (Delaware).  Orin’s book collects mandates from the year 2000 for all 50 states, but to get current information, she suggests visiting the Web site of your state department of insurance.

Not everyone is eligible under the mandates, but if you purchase your policy independently, you definitely are, says Orin. If you purchase it through your work, you might be.  Hope this helps some of you.

Its funny you brought this up. I was talking to the office manager of the doctor I am going through. I have BCBS of IL.  She had stated that an insurance company has to cover WLS its mandatory in the state of Indiana but since I have BCBS of IL they don't have to follow indiana law. She told me its only a matter of time that employers find this out and you will see alot of them go with out of state insurances.  At first I was confused because I was thinking indiana has a law? but now that you brought this article I guess they do. Unfortuantly for me My employer is a little smater then the law.  they are requiring me to do a 12 month supervised diet program. Robin

OOOOOOOOOOOOOOOOOOOOOOOOOOOOOOH MY GOSH...................I did not know who you were i had to go to your profile.............OH MY GOSH...i did not know you.,...  i must stay focused and keep myself updated..........................................you look awesome......way to go

hey thanks for the info. i haven't been denied but this could help in the long run. thanks julie

Apparently its one of my exclusions on my policy at work. I am going to have a uphill fight. I just do not know how to use this to my benefit yet. Can someone give me some ideas?

Go to the article (see imbedded link in orginal post).  It tells you where to go to see if the law impacts you when your insurance is through work. Good luck.