I really apologize if I am posting this in the wrong place or if there is a better place to go for help, but my wife has been recently diagnosed with CML and we are still trying to figure out how to navigate in this new world.
My wife has recently started Gleevac and we are impatiently waiting and praying that it will work. Of course if this is not enough to deal with our insurance (Group Health) has come back and said that cancer diagnosis is covered only at 80% when it clearly states in the paperwork that she was given that it should be be coverd at 100% minus the co-pay. There response is that documentation we recieved when we signed up for the policy before the diagnosis is just wrong. I guess I don't understand how they can just change the policy like this. We have been apealing and seem to be making a little progress. I would love to hear if this is common or if there is any advice anyone would be able to give. Thankfully we are only talking about diagnosis services and therefore not a huge amount of money, but if they start comming back and saying the same thing about other services this can add up really really quickly. I am wondering if this is at the level that we should contact an advocacy group or should we just keep fighting on our own. We are all new to this and so we are not sure what is normal for this type of thing.
Also long story short here in November we will need to renew my wife's policy and due to a number of circumstances my wife bought her current policy from the new exchange rather than her employer since her employers policy was not all that good. Any advice on what policy we should be looking at. God forbid we go out and get the wrong policy. It would be just devistating if we made the wrong choice in policies and hand more financial anguish to pile on top of all the mental stree we are already going through.