Tricare DENIES Oncotype Test...any help?

Options

Ladies,

I had my surgery last August.  I just received a bill from Genomic Health saying that they have exhausted all attempts at getting payment from Tricare.

They now want me to pay over $4k.  Any military ladies out there that had their Oncotype test paid for and know who I need to call or what I need to do?

Any suggestions or advice is sooooo appreciated!

Tori

DE COLORES! 

Comments

  • AnneW
    AnneW Member Posts: 4,050
    edited September 2011

    Have you tried talking with TriCare or writing an appeal letter? I didn't have the Oncotype test done, but they were stubborn about my desire to re-reconstruct, so I wrote an appeal letter that was very non-emotional and fact based, and things got approved.

    Do you have Standard or Prime?

    Often, if things are done that are not covered, TriCare won't make YOU pay for it. And the otehr folks can't come collecting. TriCare considered the alloderm graft I had as 'experimental" so they didn't pay. But I didn't either. The PS had to eat the cost.

    Time for YOU to have a chat with your benefits folks! Good luck!

  • ToriGirl
    ToriGirl Member Posts: 1,188
    edited September 2011

    Thanks for your response Anne...I appreciate it!

    I have Tricare Prime... and will look into writing a letter of appeal.

    I can't believe they waited a year to let me know that Tricare denied it...but, oh well...I'll hopefully get it figured out...

    Tori

    DE COLORES! 

  • ALittleBitBritish
    ALittleBitBritish Member Posts: 627
    edited October 2011

    De Colors,



    I am in the same boat, Tricare have denied my Oncotype DX test too!



    Alison

  • D4Hope
    D4Hope Member Posts: 352
    edited October 2011

    I know when I got my onco test done, I was told if my insurance would not cove it that Genomic health had a program that could help pay for the cost of the test. Thankfully my insurance paid. I would call Genomic and ask.

  • ALittleBitBritish
    ALittleBitBritish Member Posts: 627
    edited October 2011

    Thank you D4Hope,



    I will find out what happens next!



    I wish no one with cancer had financial issues on top of cancer!

  • ToriGirl
    ToriGirl Member Posts: 1,188
    edited October 2011

    ALittleBitBritish--

    After talking to a few other ladies on Tricare here on this forum, I have found out that Tricare has been paying up to 86% of the bill, well, for them anyways...hmmmm....if that were the case, I'd be more than happy to pay the $500.  

    Apparantly, Tricare has denied the claim for me 5 times.  I have an appt to go to base to see what I can to to appeal.  Genomic Health sent me a form to fill out that may get me into a program for payments or  maybe get the amount lessened.   

    I also found out that if you didn't ask for the test and it was done without your permission, Genomic Health can not come to you for payment.  So, who knows?  

    Let me know if you find out anything, and I will do the same!

    Good luck!

    Tori 

  • YaYa5
    YaYa5 Member Posts: 667
    edited October 2011

    did any of you get a phone call from genomic about your insurance?  i did and the lady told me that my insurance would pay all but $10.  that was in july.  just yesterday i received a letter from my insurance company saying the oncotype test had been denied.  i called genomic and talked to the same lady who called me back in july.  she said they would honor what they told me ... i'd only have to pay $10.  just a thought.

  • ToriGirl
    ToriGirl Member Posts: 1,188
    edited October 2011

    YaYa5..thanks for the response!  

    I never got a phone call from Genomic regarding my insurance.  I just a get a bill from them for $4K and them telling me that they tried 5 times with  my insurance and it was still denied.  

    Can I ask what insurance you have?  

    Thanks!

    Tori 

  • YaYa5
    YaYa5 Member Posts: 667
    edited October 2011
    tori, i am on medicare with a supplemental ... united health care.  the lady at genomic told me that they've had the problem before when an insurance company would approve it, but then after the test, the company would deny.  i suggest you call genomic again and tell them that you weren't consulted before the test about whether your insurance would pay or not.  it's just not fair that a test is ordered (especially such an expensive test) before it is approved/denied by insurance.  my onc told me he wouldn't order it if insurance wouldn't pay.  i found the lady at genomic to be very kind and helpful.  if all else fails, ask if genomic would at least accept a lesser payment, like 25% of the total bill.  keep fighting.  keep talking to genomic.  cry if you have to.  good luck.  please keep us posted.
  • ToriGirl
    ToriGirl Member Posts: 1,188
    edited October 2011

    Thanks YaYa5!  I appreciate your advice!  

  • ALittleBitBritish
    ALittleBitBritish Member Posts: 627
    edited October 2011

    ToriGirl,

    If Tricare can pay 86% for others then we surely deserve the same!

    All Genomic has to do is 'repeat' what they did last time at appeal that worked! Or do I simplify these things to much??

    Well to top off my weekend, as well as my lymphedema, I got cellulitis...!! Cry 

    Alison 

     

  • SpecialK
    SpecialK Member Posts: 16,486
    edited October 2011

    Ladies - I am also Tricare Prime.  Anything that Tricare Prime is being requested to cover requires a referral first to determine whether they will cover the service.  Many services you receive as a patient require you to sign a personal responsibility statement, indicating you will be liable to pay whatever insurance has not paid.  My BS ordered a Mammaprint test at the time of my biopsy.  His office did not get a referral from Tricare Prime for this test.  Tricare considers this test experimental and would not pay Agendia the test cost, even though it is FDA approved.  This is a genetic assay, and was the first indicator of hormone receptor status and Her2Neu status. I had received a letter from Tricare showing the denial and appeal. Tricare did pay a small portion of the $5,000 bill, I believe about $61.00.  I called Agendia and asked for an AOB form to be faxed to my home.  It is a form that indicated Agendia would accept whatever insurance paid.  I already knew that Tricare had paid the $61.00, and I knew that I had not been consulted about the order for the test, and had not signed anything saying I would be responsible for the bill if insurance did not pay.  Agendia had to absorb the remainder of the bill after I faxed the AOB (Assignment of Benefits) form back to them.  I also contacted my BS office to let them know of the situation.  I just looked at the Genomics website, and based on what I read there it looks like if you have Tricare Prime and they require a referral before testing is done, it was your provider's responsibility to obtain that referral before ordering the test. Your provider should be on the hook if you didn't sign anything saying you would be responsible for any costs not covered by insurance. They are the ones who ordered the test, not you, and submitted the sample for testing without prior authorization.

    For those that have had testing done (Oncotype) that has been denied, but know someone who has had Oncotype successfully paid for at 86%, I would inquire about the billing code used to get that payment.  I don't know why there would be inconsistency in payment by Tricare unless an incorrect billing code was used, the claim denied, and then the same code submitted again, denied again, etc.  My assumption is that Tricare either covers the test or not, but I am also wondering if denial has to do with being ER+ and node positive, since Oncotype is advertised for ER+ and node negative patients.

  • ALittleBitBritish
    ALittleBitBritish Member Posts: 627
    edited October 2011

    Thank you SpecialK, 

    My oncologist had my test put through after my BLM and I am sure I never signed anything. I have a letter from Genomics saying my insurance would cover it.

    This was in May, I just wish this could be resolved....I spoke to a lady at Genomics awhile back and she said there was 5 levels of denial, I think I am only at level 3!

    Anyway, after the visit to ER this weekend I now have cellulitis,so that is taking my mind of my $4k onco bill! Lol Laughing  

    Alison 

  • coraleliz
    coraleliz Member Posts: 1,523
    edited October 2011

    Perhaps Tricare pays for the test only if you are node negative, or premeno, or postmeno, or ???

    I don't have Tricare but was told by Genomic that it wasn't a covered benefit for me & that they would appeal for coverage. They did & got coverage, all but about $175 dollars which Genomic excepted as full paymnet. I think the reason my insurance company didn't want to pay was because I was premeno & had positive nodes(not a lot of data, yet). Good Luck.

  • ALittleBitBritish
    ALittleBitBritish Member Posts: 627
    edited October 2011

    Thank you Coraleliz,

    Glad to hear your bill was paid Smile

    Alison 

     

  • SpecialK
    SpecialK Member Posts: 16,486
    edited October 2011

    ALittle Bit British - so sorry to hear of your ER visit and cellulitis!  Never fun!  Hope it (and your Oncotype bill) are resolved soon!

  • ToriGirl
    ToriGirl Member Posts: 1,188
    edited October 2011

    SpecialK-Thanks for the information!  That helps me a lot!  I too, did not sign anything and the test was ordered without my knowledge.  I just showed up to my first oncology appointment and was told the test was done already...Then again, this test was done over a year ago...so I may have to do some digging to find out WHO actually ordered it...

    If I may ask, if Tricare Prime refuses to pay anything, is a AOB even going to help me?

    Also, if something is signed saying a patient will pick up any costs not covered by insurance, is it specific to the test they request or is it pretty general?

    Thanks so much!

    Tori 

  • bcincolorado
    bcincolorado Member Posts: 5,758
    edited October 2011

    Hi Tori:

    I am not on Tricare but had trouble and received a HUGE bill from Genomic after my OncoDX testing as well.  It turned out to be problems because they billed it wrong to my insurance.  Then when they did it right, and the insurance paid, they still did something else wrong because the insurance sent US the check and then we had to send it to them!  Then they caught the error and billed insurance again and they paid them direct (so they had 2 payments) and insurance wanted money back from us!!!  Of course we didn't have it to send!  It took about 2 months and the help of my insurance rep to get it all straightened out.

    Genomic definitly needs improvement in their billing departments.  They are either not competent or very under-staffed! 

    Don't give up and work with your mlitary rep to get assistance and get it figured out. 

  • SpecialK
    SpecialK Member Posts: 16,486
    edited October 2011

    Torigirl - In my case with the Mammaprint test Tricare had paid some processing fee, they had refused the testing costs itself.  That is why the AOB thing helped me, they were forced to accept the tiny amount that Tricare had paid.  Because the testing was done without a referral I think whoever ordered it has a responsibility to mitigate the cost.  Did Tricare pay anything at all on your Oncotype? That is why I did some research (test was submitted by the radiologist who did the biopsy, but ordered by the BS) and let the BS office know what had happened in case Agendia came back to me for payment.

    I have had a lot of surgery and it is usually the hospital, and the lab in the hospital, that have had those forms that say you will be responsible for anything not paid by insurance.  Using in-network facilities is important because they are required to accept what Tricare pays and adjust off the rest of the bill, except for the co-pay (so far, either $12 or $25) so I have been careful about that.  Also having the referral in place before anything is done is critical.  I had a scare just before my BMX.  I had immediate placement of TE's but the BS office (do you sense a theme here?) failed to get the referral for the PS to be in the surgery.  Then it turned out he was out of network for Prime, he was only Standard!  I found this out less than 5 days before the surgery.  I camped outside my PCP's office in the base hospital until they got special permission for an out-of-network PS done, had my consult on Fri before surgery the next Mon!  It is really hard to have to do all this insurance stuff and have BC at the same time!!!  It is a lot to worry about.

Categories