Refused for MRI
My insurance companiy after 2 reviews will not pay for the MRI my surgeon ordered. I am 3 yrs out and have very lumpy breast - my surgeon write them 3 times - my daughter is Braca1 I am. Not but. She still wants me to have the test- they will pay for sonogram and mammography - insurance said that is enough - that I don't need and MRI and they will not pay I have to pay for the test- and in the future if I have the test I will have to pay - anyone else have this problem? I have private good insurance - I feel sick inside.
Comments
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My surgeon got an MRI approved for me last year, 2 years out, citing dense breasts. Don't know if that will work this year for me... If your doc hasn't already tried that, it would be worth trying one more time.
Are you just having spot ultrasound? I think the whole breast 3d ultrasound would be better, although that probably isn't covered by insurance. At least it isn't as expensive as an MRI.
I'm sorry about your daughter being BRCA1.
Sending hugs,
Pat
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Heartbroken,
I had the same problem. I had an MRI denied 3 times when I reached the 5 year mark. I fought like crazy, along with my surgeons office. to have it approved, but no luck. I also had awesome insurance. They also claimed that the Mamo/ultrasound was enough. I also get blood work done every year that has my "cancer marker" numbers. That also helps if there is anything suspisious going on.
I ended up getting 3 different answeres on why it was denied. First was not enough of a family history. (I guess having cancer isn't enough), Two, you reached the magical 5 year mark, and third, it's not part of the protocal for breast cancer patients to have MRI's.
I also had to get a biopsy done in March, due to a suspicious mass, thank God it was benign, fibrocycistic tissue, but the hospital where I had the biopsy done, was pushing for an MRI, and when I went to get the referral, my surgeon said to hold off, I would have been denied if I had it done before, since it wasn't cancer.
You might want to put some more feelers out to see if it will get approved since you're not at the 5 year mark yet.
Good luck!!!!
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I am 8 yrs out- and they say after 2 appeals no! I have very fibrocystic
Breast - my daughter has stage 4 braca cancer breast- i am not braca - her father is
My other daughter Is considered high risk- she has a star lesion.
It's all a mess - my own husband is a dr - and he can't do anything - he has tried - it sucks - why have private insurance I would be be better off w/ Medicare -
Sorry to hear this. I had a similar situation. All my cancer docs recommended a B-MRI last year (my first year follow up). Insurance wouldn't pay, saying that although I had dense breast, they weren't dense enough. (there is a scale that ranks the density). I appealed and lost. I live in CA and appealed to the independent review board and lost. I'm considering doing the full-breast ultrasound 6 months after my annual mammo. Insurance won't pay it but it's $200 vs. $5000 for a B-MRI. FWIW, when I was discussing this with my MO I asked, "If I was going to pay for a B-MRI out of pocket, which year should I do it?" Her thought was year 2 because the goal is early detection. (and, in theory, our risk of recurrence is highest closest to Dx?) Anyway, not sure if any of this is helpful. I feel your pain.
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Do they find much cancer with an MRI? I'm curious about the whole MRI question after having one, followed by an MRI guided biopsy of something suspicious, which could not be seen on either mammo or u/s. The biopsy was negative and extremely painful. My surgeon was trying to tell me not to have the MRI in the first place, explaining how many false positives and unneccessary biopsies result, but I was not picking up on the subtext, being still in panic mode with a positive biopsy of the other breast. It would take a lot of convincing before I would have another breast MRI. I only have DCIS however, and that's a whole different ball of wax.
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This is serious BS, and it's not just the insurance companies, it's the hospitals. The new ACS guidelines are clear: MRI is indicated for high risk women. They are also indicated in women with dense breasts, however there is no specific recommendation for density grade as far as I know.
The year after I was diagnosed, I had to fight tooth and nail for an MRI. This made no sense, as it was my oncologist, NOT my insurance. The radiologist explained to me that MRI is extremely expensive for the hospitals, as they do not get compensated for the significant read time required compared to the mammogram. I pushed, and I got it. But I know it will be an issue in the future, as just about every woman I know at the five year mark gets cut off.
This clearly will require a huge advocacy effort on our part. Though the guidelines are widely available, I know the rate of false positives does not incentivize prescribing them, even for high risk women.
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lauribob, you made a good point. While all my cancer docs recommended a B-MRI they also all said that MRIs have many more false positives, which creates extra stress and procedures. Early in my cancer journey I dismissed this concern. But since I finished Tx 2 years ago I've had my fair share of tests (including going in for my 3rd endometrial biopsy next week; two biopsies done at the dermatologist--obviously not related to BC but stressful nonetheless; etc!). I think the high cost is still what drives the insurance companies' decisions but, as you say, there are other concerns as well.
Is anyone doing the automated full-breast Ultrasound? I may do it this fall (6 months after my last mammo). I'm curious to know anyone's experience. It's being recommended for women with dense breast tissue and while it may not be covered by insurance, it costs around $200 (vs. $5000 for MRI).
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Well ladies here is the update - we have to pat thousands for this and it was negative but 6 mths later went for mamo and sonogram and that showed something - so much for mris - I've had it - luckily thank god I was lucky - was benign. Since they got wind of this the insurance said - see you never needed this test and refuse to pay for any of it.
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My mom was having severe back pain 10 years out from a Stage IIIa diagnosis and the insurance company made her jump through hoops to finally get an MRI. Turned out it was mets but it wasn't discovered for almost 2 months as the insurance company made her go through weeks of physical therapy and a host of other things before they would approve it. Had they done the MRI sooner, she may have not required such intense treatment. Unfortunately, she only lived 11 months after that and boy did she make the insurance company pay! Over $2 million dollars in 11 months with a total of $2k out of pocket. How's that taste Anthem?! Even the doctors said, had she been diagnosed sooner, the treatments would have been less intense and would have cost much, much less. These insurance companies are their own worst enemies most of the time it seems.
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i really can't stand the paternalist medical community deciding for me that i could do without the 'stress' of a false positive. Glad peggy j that your doctors recommended you get the testing, while just warning you of the possibility of false positive.
I agree with you that if you can't get coverage for it, you should absolutely get ultrasound alternating six months with mammogram. That is absolutely what I would do if I had any real breast left to image.
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Oh sorry should have previewed: meant that if you can't get coverage for MRI ("it") then you should get u/s. I would think you should be able to get u/s covered, but if not, to me it would be worth the out of pocket $250. The problem with that though will be when you need biopsies...so fight for the coverage. Seems pretty clear to me that you can make a case for the ultrasound as states are now recommending (though they didn't in time for me) that women with density ratings of 3 or 4 receive u/s as mammogram not sufficient. DOn't let them throw 'national' standards of care at you, those are in flux.
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I've added the automated full-breast ultrasound to my yearly mammogram exam. http://sonocine.com/
I have to pay out of pocket $300 but at least I get some piece of mind as backup over the mammogram. My doctor simply adds it to my mammography script and I don't have to fight insurance. It takes about 15 minutes for the prep and scan.
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I hate that politics, drug companies, mammogram equipment cost justification, etc. gets in the way of our BEST CARE! Ugh!
So I am two years out! yea! And I am sooooo sensitive to things. I need an ultra-sound for my small breasts that still suffer from lumpectomy scaring that hurts and chest swelling that hurts. The last thing I need is a mammogram. Mammograms aggravate that. Further, I have had ALL the radiation I can tolerate. It is cumulative. I did so poorly in radiation. Ultrasound is the right test for me. And with my breasts, they would still have to do an ultrasound anyway if something came up. I also can't tolerate the (poison to me) AIs or tamoxifen.
So, since the drug companies and mamogram machine makers rule the coverage that the government and the health care industries will demand their patients use, because I am not taking the wrong-for-me drugs or the wrong-for-me tests, my health care has been cancelled. Today, I heard. It is pretty much effective immediately.
w.o.w. o.w.w. ooowwwww.
And I was saving them money too, being pro-active with my doctors, making the right choices for me. (If I had been on the AI's, my life expectancy would go way down and I would need about 24 additional medications just to bear up under the poisonous effect of the AI's.) However, drug companies and mammogram machine making companies are BIG BUSINESS. They are powerful and insist that their BIG MONEY INVESTMENTS are the ONLY standard, the ONLY choices allowed. There is no room at their Inn for good medicine period.
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Why would you need 24 additional meds while taking an AI? Of course I look at it differently as Stage IV. The AI's gave me several more years. And I didn't take any additional meds. I guess I'm fortunate that my former employer provides a level of insurance that has not denied me coverage for what has been necessary. I'm so sorry for everyone who must fight for their treatments and tests, like we need that stress.
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Just chiming on on why MRI's are important for some women. My 4cm IDC tumor was not seen on mammogr or ultrasound, but lit up like a Christmas tree on my first "screening MRI" due to dense breasts. Despite the fact that the MRI found cancer when no other tests did, my insurance company fought paying the bill for more than 6 months. Now my cancer center handles the insurance company and there seems to be no more MRI approval issues. my surgeon says its all in the wording. i have my one year anniversary MRI coming up next month...nervous but glad this test is available. I'll take a false positive any day over not finding a cancerous lump until its 4cm!!!
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Chickadee, I am sorry you have stage IV and glad that AIs have helped with no side affects for you. They DO work for some women, just not all women. And the lucky ones who take them are those, like you who they both work for and without side affects.
With my history, I am a candidate for ALL of the side affects of both AI's and tomoxafen, which would require me to take a dozen or maybe more different meds to off-set the side affects. Unfortunately I know way too many women who have these: bone loss and arthritis, insomnia, depression, fatty liver, weight gain, hair loss, heart issues, stroke, brain tumors, other cancers, eye and vision loss or impairment, shrunken, paper-thin, breakable vagina walls so they can no longer have sex or if they do, it's either a bleeding painful experience or they have to use special creams to make it even tolerable (which can also -in some cases- affect your relationships...), loss of energy, personality changes, tremors, cold and hot limbs, sweats and chills, body pain... and there are drugs to offset the drugs that offset the side affects too.
My point is, it's an individual's choice to make with their family and their doctor over their specific advantages or disadvantages of a particular medicine for them. It should not HAVE to be a one size fits all.
In my case, and this was scary because of the pressure to use the AI's is huge, becaseu of the cancer they found, we decided to go another route: I am on a natural form of AI that causes me no side affects. Instead of robbing my body of all its estrogens, it redirects estrogens so that the good ones still work well in me and the bad ones can't. This can be tested and verified. It's still a treatment and, so far,so good, Thank God! But it wasn't the "standard" treatment, so my insurance dumped me as "declining the standard treatment."
I mean, wow, I am healthier, less expensive, working with my MDs, and still needing my tests and recovery treatments and follow-ups.
On the good side with "gold standard" medicine, they now have this genetic test for the tumors, once removed. It determines whether your tumor genes can predict you fit into one of three categories: the highest one means you need chemo, the lowest one means you don't, the middle one is an optional one. Therefore, the "everyone gets chemo" has been shifted to be determined by this expensive (but less expensive than chemo and less traumatic for the woman who chemo would be worse on than be helped by, if at all) test that now spells out "chemo could be a choice for many women." Yea for it!
The problem with many hosptials is that the funding for tests and trials and the establishing of "standard, one-size fits all" treatments are the big money drug companies. What's the right treatment for one woman is not necessarily the right or best treatment for another.
I'm not sure, but there are I believe about two-dozen different types of breast cancers alone. And, as others have pointed out here, dense breasts need tests that can see into them and so on, thus determining whether a woman should have a mammogram, an ultra sound, an MRI, or any combination should be on a case by case basis. IMHO
Medicine is supposed to be a science AND an art.
Peace to all. And health.
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Hi all, just wanted to add my two cents in favor of getting an MRI.
I was originally diagnosed as having DCIS in my left breast which showed up on mammogram as calcifications. Dr. then sent me for an MRI and surprise! I have IDC 2 cm in the Right breast. Yes, I have rare, bilateral BC. I had mammograms faithfully every year and the lump was never seen, not even at 2 cm because of my dense breasts. I didn't feel the lump because of my lumpy, fibrocystic breasts. I would give anything to be able to go back a few years and get an MRI to detect this sooner. Now I'm facing BMX, hormone therapy and who knows what else.
Five years ago I had an MRI at an imaging center that would perform them on a cash basis (after it was denied by my insurance co). It doesn't hurt to call and ask what their cash price is. I paid about $500 in 2008 and I live in an area with high medical costs. I should have had another one, but instead made the mistake of trusting mammography with my dense breasts.
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I was just denied an MRI this week. I was dx'd in 2007 with ILC. The tumor was not seen by mammo or U/S yet it was.... wait for it.... 10 cm+!!!! ILC is known for being large and hard to find on mammos. I had a mastectomy on the left breast but kept the right. Onc has ordered annual mammos and annual MRI's (with 6 months between each) and this year I was denied. Cigna stated my mammo was crystal clear and no further tests needed. I haven't appealed yet. I cried to the insurance nurse who called Cigna and talked to a really nice nurse who she thought would go to bat for me, but it came back denied again.
I meet with my onc next week. Seriously considering a proph mastectomy on the remaining breast.
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Isn't it cruel when you and your own doctors can't determine what medicine or tests you receive!
So sorry this happenend to you, Connie.
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I have two first degree relatives with BC and am a five year survivor myself. My three remaining sisters qualify for am MRI annually but I do not. I got my doctor to recommend one every other year and my insurance agreed. I was so surprised to see the bill. $4700!! Is this because contrast dye was used in part of it?
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I live in CT and its my understanding it's state law, if you have dense breasts your ins has to cover us as well as a mamo. I'm 3.5 yrs out and have had several MRIs, bi as they were also screening my noncancerous breast. Have been very lucky it seems as no denials to date.
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Oh Connie, can't believe they're pulling this with you. Like you I went religiously for annual mamos which were all clean until they saw what looked liked something. They ordered an US, which showed a 1.5 cM something. Sent me for a biopsy which showed ILC. Sent me for a MRI which showed it to be 2.5 cM. But when I had my mastectomy, there were 2 tumors, one over 6 cm.
Think we should all get routine ultrasounds instead if mamos, then MRIs next.
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It was against my chestwall so no lump. I had fatigue but other than that no symptoms. When the biopsy tested positive I was not that concerned as I figured we had caught it early. After all, all my yearly mamos had been clear. I was shocked to learn ILC doesn't show up on mamos until it's grown quite large. If I had dense breasts, I'd insist on an US.
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