Strike #2
letter yesterday that made me cry, BIG TIME.
United Health Care Sent me a denial to my appeal. Quoting again that wls surgery is not a covered service and they are striclty regulated by federal and state laws in administering the terms of the health insurance policy. But what I find intersting is that they directed me to the Maryland health education and advocacy unit right here in Baltimore and also the saying I can file a complaint with the Maryland Insurnce administration. Now lets stop and look at this for a moment. If the Certificate of Coverage states they are regulated by the California Department of Insurance, why would they direct me file complaints with Maryland Insurance Administration.
The letter states they are required by federal and state laws. ok that being said are they telling me that they must abide by Maryland State law and the only way to get around the exclusion is to persue it with the Advocacy Unit and a grievence with the Maryland Insurance Administraton?
I find this interesting. Comments, advice welcome
and I have already contacted the Health Education and Advocacy Unit and waiting for a response.
Zells_lori is 'abuddignrose'
United Health Care Sent me a denial to my appeal. Quoting again that wls surgery is not a covered service and they are striclty regulated by federal and state laws in administering the terms of the health insurance policy. But what I find intersting is that they directed me to the Maryland health education and advocacy unit right here in Baltimore and also the saying I can file a complaint with the Maryland Insurnce administration. Now lets stop and look at this for a moment. If the Certificate of Coverage states they are regulated by the California Department of Insurance, why would they direct me file complaints with Maryland Insurance Administration.
The letter states they are required by federal and state laws. ok that being said are they telling me that they must abide by Maryland State law and the only way to get around the exclusion is to persue it with the Advocacy Unit and a grievence with the Maryland Insurance Administraton?
I find this interesting. Comments, advice welcome
and I have already contacted the Health Education and Advocacy Unit and waiting for a response.
Zells_lori is 'abuddignrose'
never settle for less than you deserve and you deserve only the best. 
(deactivated member)
on 9/1/09 1:18 pm - LOUISVILLE, KY
on 9/1/09 1:18 pm - LOUISVILLE, KY
Stay on it dont give up. I currently am working on an appeal letter and waiting to go to the seminar first before I can get the ball rolling. My husbands insurance excludes it as well. I have seen exclusions been turn over, I'm not giving up until all options are exhausted! Neither should you.Pray
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