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In reply to the discussion: So let me see if I've got this straight... [View all]Gothmog
(175,493 posts)Some nurse decided that I did not really have sleep apnea despite a prior sleep study. This sleep study was to determine the correct pressure for the CPAP machine. I first appealed within the Blue Cross system and then I filed an appeal with the Texas insurance commission. The internal appeal was going nowhere until Blue Cross got notice received notice of the complaint filed with the insurance commission. Blue Cross was very upset with me and threathened to have all of my claims would have to be reviewed until the insurance commission told Blue Cross that such conduct would be considered retaliation.
Needless to say, I had the claim resolved in very short order. Admittedly as a lawyer, I knew which buttons to push and how to get the insurance commission interested. Ann Richards was still governor of Texas and the insurance commission was still staffed by people who cared about patients. I am not sure the insurance commission would do the same today under Perry but I would still try.
The moral is that it does not hurt to appeal and pursue remedies both with the insurance company and with the applicable regulator.