Mammoprint....Help......insurance not paying
My BS ordered a Mammoprint a year ago shortly after my biopsy and diagnosis. I received a letter sometime a few months later saying that Blue Cross/Blue Shield would not pay for it. I was starting chemo and was very upset. I took that letter to my BS office and was told to "not worry about it", so I did not. Now, I have been getting phone calls from the Mammoprint company, Acadia, I think, saying I owe $9,000.00 for the test. I had BC/BS then, but am on Medicare now. Anyone else had insurance refuse to pay for this test? What to do? I would appreciate help !
Comments
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Have you tried contacting the BS's office that told you not to worry about it?
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Oh, yes. I was told "sometimes it is not paid. I am sure they will work on a payment plan with you."
Now, this is a doctor that did a great job, and, I will be seeing him for 5 years! But, still.....
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Your physician should have gotten a prior authorization for the test before scheduling it. At the very least the facility that performed the test should have had it prior auth'd. If they didn't do that, they should be liable for it, not you.
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Yep, that's what I think too, but not what's happening. Ugg! I am going to fight it. Just hope someone else had some experience with this!
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My insurance did not cover Mammaprint in 2010, denying due to regarding it as '"experimental" even though it was FDA approved at the time. My insurance did pay for the shipping charge to send the sample to Agendia Labs. I called Agendia and asked for an AOB (Assignment of Benefits) form which states they will accept whatever insurance pays. I signed it and faxed it back, and that shipping charge of $61 is all they got. If you did not sign any forms saying you accept responsibility for payment should insurance not cover this test, it was incumbent upon either your BS office, or Agendia, to determine financial responsibility before the test was run. I would call BCBS and ask if they cover the test under any circumstances, or only certain ones. Depending on their response, I would ask your BS why he chose this test over Oncotype Dx, which is more routinely covered. I would ask the BS to do a peer to peer review with BCBS if they indicate they cover the test under certain circumstances
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Hi:
I'm with you. You should have been informed of the possibility of such a significant out-of-pocket expense. The MO and test provider should have a process in place for determining this in advance.
Perhaps try informing your MO or whoever ordered the MammaPrint test of the calls you have received from the test provider (Agendia), and ask them to contact Agendia on your behalf to inquire if Agendia has any experience successfully appealing such a denial of coverage by your then insurer in cases like yours (at the time of the test). If so, what steps should be taken to pursue such an appeal and what information has proven persuasive.
Here is some contact information and related information for the person who calls Agendia:
http://www.agendia.com/patient/breast/insurance-co....
Obviously, had you known of the large out-of-pocket expense, you could have considered the option of the OncotypeDX test, which from on-line information looks like it would have been covered by BCBS of Florida.
BarredOwl
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mysunshine, I agree with SpecialK. Call BCBS and ask them about the claim status. If they inform you that the claim denied, ask them to let you know the reason for the denial. You usually have 180 days from the date of claim denial to file a grievance and appeal. Ask the representative if you are still within timely filing. This test is covered for medical necessity if certain conditions apply. Please see the following guidelines under the following link: https://www.anthem.com/ca/medicalpolicies/policies/mp_pw_a049879.htm. Blue Cross Blue Shield = Anthem, same guidelines should apply. The ordering MD and or the rendering facility is usually responsible for obtaining precertifcation, but it all depends on the employers evidence of coverage at the time services were rendered. Some contracts state "members responsibility to obtain authorization". Please don't go by what the doctors office tells you as they cannot have the charges written off, if the charges are from a third party vendor (Agendia). Hope this helps.
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I have BCBS also, and I am in the same boat. They denied it and now I have a bill for $9k. I don't understand why doctors order this test knowing that our insurance isn't going to cover it. And I know for a fact that my doctor know BCBS doesn't cover it but she "prefers" MamaPrint over oncotype so she orders it anyway with no conversation with me to tell me that this test she was ordering wouldn't be covered by my insurance. I know I probably should of asked but it never occurred to me that she would order such an expensive test with making sure my insurance covered it or not first. And apparently Acadia already appealed it through BCBS and they denied it so I don't know if filing a grievance is going to make a difference or not
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I am in the same boat. It's Agendia, and they have not had a contract with BCBS since 2012, so I think our doctors would have gotten the message by now. I have been calling my doctor's office to try to get a statement of medical necessity so I can send an appeal to the insurance. So far, no calls back. Guess I will have to go over there and camp out.
Has anyone negotiated a payment with Agendia? I know I didn't sign anything specific to this test, but would the blanket form I signed before surgery cover this? I was also informed about the test after it had been ordered.
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My ONC ordered the Oncotype test - I don't know anything about Mammaprint tests - for me after my Path report came back showing a micromet in the SN. Genomic Labs conducted the test so they called BCBS for confirmation of coverage. Initially they approved it. The test at the time, almost 5 years ago, was 5k. Needless to say my DH and I could not afford that out of pocket expense in addition to what we were already paying. Anyway, shortly after the test was completed Genomic Labs said BCBS denied the coverage. They told me BCBS did that a lot after the fact. They told me not to worry about it they would appeal the decision. They also said they had a sliding scale for payment for women who didn't have health insurance or had their insurance deny the claim.
My BS's office was outraged. They said the money the insurance company saves by not paying for chemo is staggering so it made no sense to deny a 5k test that eventually revealed I didn't need chemo. Go figure. I did have 33 Rads treatments which probably cost 30k. We were at 100% by that time so no worries with paying that. I don't understand either why doctors are so free with ordering tests with no regard whether it is covered or not and you know they have to know. I challenge my oncologist about prices when she orders meds for me. Good grief maybe she doesn't concern herself with the cost but I do and it doesn't embarrass me one bit. She doesn't pay my bills.
I'm not optimistic about the appeals process with BCBS or any other insurance company even if your DR pleads your case. It's totally unfair because these tests have become a staple for a lot of oncologists today. My ONC said women have been overtreated for years so these tests were a good guide in their treatment decisions. I know it saved me from chemo.
I would definitely appeal their decision regardless.
Diane -
Finally heard from the office manager at my surgeon's office. According to her, Agendia should have contacted me before they did the test to make sure I knew it was not covered. So, she was going to call them. My surgeon's office is now ordering Oncotype DX, and this is how they operate. Since they aren't ordering tests from Agendia any more not sure how much leverage they will have.
I can tell you that the Oncotype test is half as much as the Mammaprint! Turns out I got both, my Oncologist didn't like the Mammaprint test. BCBS paid the cheaper one.
Will come back and post when I hear anything else. If I get billed by Agendia will ask what their uninsured rate is.
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Agendia won't charge more than $500 for the test. My insurance wouldn't pay it, so I went through the grievance process (or whatever it was called) and a year and I half later I got a bill from Agendia for $500 as full payment.
It isn't even need-based.
Talk to the folks at Agendia
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