Insurance denial PET?, New Mets Diagnosis

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Helllo.  I have a question or two about how to handle it when an insurance company denies coverage for something that seems clearly to be medically necessary from my doctor's viewpoint.

I have been post-breast cancer (triple negative) (right side) treatment for about 1.5 years and about 1 month ago, my pulmonologist, who was doing follow up CT scans of the lungs as part of treatment for pneumonitis secondary to radiation treatment, found a nodule in my right lung that was not there 4  months earlier. 2 weeks later I had a needle biopsy, which collapsed my lung :)  The biopsy was positive for cancer, but not clear which part of the body the cancer was from, though it had hormone negative characteristics, making it seem likely it is metastasis of the BC.

Before the biopsy, my pulmonologist had ordered a PET scan  which was scheduled after the biopsy, but my insurance denied coverage. With the new cancer diagnosis, my oncologist then ordered a PET scan and I scheduled it for a week after the cancelled one. The insurance denied it again, but this time I didn't let the hospital cancel it and told them I would self-pay. I knew that we needed this scan to see if there were other tumors and if so, where and it wasn't time to just wait around. As it turns out, the PET showed that there were 2 more tumors (smaller) in the same area, nothing in the lymph nodes and a questionable area in the opposite lung. Nothing in other organs, thankfully.

In the meantime, the same day I got the PET scan I saw a thoracic surgeon (w/cancer specialty) who scheduled a mediastinoscopy/bronchoscopy to take a close look at the lung lymph nodes and biopsies. Again, thankfully, the nodes appear clear.

I am now scheduled for a lobectomy of my upper right lung in 4 days. At this point, we still don't definitively know if I have primary lung cancer or oligometastatic breast cancer. The surgery will provide the tissue to determine that.

My oncologist's office appealed the denial of coverage for the PET, but even on peer to peer review, they continued to deny. The assistant at the oncologist's office could not tell me the basis on which they made the denial. I have  heard nothing directly from the insurance company, yet, so I'm going to call them myself on Monday. So here are my questions: Have any of you had a similar experience with a PET denial during a cancer diagnosis? If so, what did you do? Were you able to get coverage on appeal? In general, any of you who have dealt with denials of various tests, what do you think is the best way to deal with the insurance company to effectively communicate and get a denial overturned?

I'm not even going to mention my feelings when I heard the denial, as I'm sure all of you have experienced those same negative feelings and I don't choose to dwell on them--not what I need to focus on right now.

Thanks for any advice/encouragement you can give to me on this issue.

Nancy

Comments

  • godispowerful
    godispowerful Member Posts: 9
    edited May 2017

    Sorry, I am newly active on this forum and did not realize my first post had already gone through, so I posted again.

    Nancy

  • HelenFaith
    HelenFaith Member Posts: 53
    edited May 2017

    Oh no, I am sorry. My husbands company is self insured, so we haven't encountered a denial nor do we require pre-auths and I don't think anyone should require one when dealing with medical issues that have been diagnosed, especially cancer......grrr!!!!!
    Does your employer or the person company your plan is under provide a Health Advocate? Most large companies. especially those that are self insured do provide them to ensure their employees are able to get the medical care needed. I hope you have access to one, so they can do all the fighting for you.
    Good luck with your surgery and hope you have a speedy recovery.

  • momallthetime
    momallthetime Member Posts: 1,575
    edited May 2017

    First so sorry for what you've been going through, and for this sh@%y stuff you have to endure. I happen to be looking for info on lung nodules and saw your post. My daughter is MBC for awhile, she has bone mets,liver, brain and quite newly diagnosed lung nodule. Last week she was scheduled to have a PET.CT after a clinical trial. She only had PET/CT always. Pet/CT i think is the best modality to see mets, and then of course MRI or CT if needed to precise places. Just so you understand even though she more than deserved a sono or CT or MRI straight to the liver, Onco still did not do a/t about it. But ok, her treatments are systemic, and there is much other stuff.

    Anyway, she just changed insurance, very expensive and they got back to doc that it will be CT only. OH NO! We really panicked, because first off we needed to have comparison to the last one, and we need to know if this trial is working!! (which i didn't think it was because her numbers were not very good. Then supposedly went to peer to peer, but it was approaching a weekend, as in your case, and e/t went to Hell. Anyway last Monday, my daughter got on the phone with Insurance, and in a nice tone, but very apprehensive, saying it's her life on the line, and got to speak to supervisor, and then head supervisor, it seemed to us, and from what the Ins was saying that doc did not send in exactly all details as they were suppose to. She got the PET/CT. And thank God , because it's progressing, and they were able to compare.

    The thing is you gotta be nice with your Onco's office, but they could also be not sending exactly what ins wants. And you really gotta go at it. Yes, many a times, I see in the threads, many ladies don't get the scans they need. It's a sad truth. But if you get Insurance, you at least try not to give up. Get names of people etc...What they do say sometimes is they will approve CT and a bone scan, I don't like this much, but it is what it is. And of course many times what happens is the person has a CT and then bam, they are told ok, now we will pay for Pet.CT . If you ever have to check the Brain, then you need an MRI for that.It's the best modality.

    You did good in paying out of pocket, I would have gone that route had they not okd it. Her life is too precious.

    She has a 1cm nodule, but Onco is not saying she is doing something about it. Could you tell me from your experience, does it make a difference if she does something about it specfically, as oppose to working with the treatments? Tomorrow hopefully we'll hear from Onco. She was out of the office and no one bothered to let us know about a/t. I was just lucky that I got hold of the report so soon, and not have to go crazy a whole weekend.

    Are you in a big place?

    Good luck, I'll check in again to see how it goes with you.

  • godispowerful
    godispowerful Member Posts: 9
    edited May 2017

    Thanks.  I plan to get in touch with HR at my company, tomorrow. I'll see if they have a Health Advocate

  • godispowerful
    godispowerful Member Posts: 9
    edited May 2017

    I'm sorry your daughter is going through so much with mets. Thank you for telling me what she did in communicating with the insurance company and I'm glad to hear that she got a positive response--she was persistent. That encourages me to be persistent, too. You make a good point that the onco's office may not have given all of the information the insurance wants, possibly. A couple of other people suggested I talk to HR at my employer to see if they could help, which I will try, too.

    I'm glad you got the PET report before the weekend and didn't have to wait. Waiting is so hard, sometimes--stressful.

    As far as the appearance of the 1 nodule in your daughter's lung, the only thing I can tell you from my experience is that while the oncologist initially told me surgery was needed for my 2.3 x 1.6 cm nodule, I learned later from a consult with the surgeon that if I had cancer in the lymph nodes, they would not do surgery, but go straight to chemo. That's why they did a mediastinoscopy/biopsy of the lymph nodes, right away.

    Yes, I do live in a big place--Orlando, FL, so I have access to a lot here. I'll post what happens with my talks with the insurance company--probably not until after I have lung surgery this Wednesday.

  • momallthetime
    momallthetime Member Posts: 1,575
    edited May 2017

    godispowerful thanks for the info. Yes she has in her lymphnodes, it just got bigger in the axillary nodes, not much has been working for her. I posted to all the wonderful ladies that have been with us for a long time, let's see what advice they give. But at least it's good to know that systemic tx is probably the way to go. Onco does not wanna touch her, it's a bit of an issue, they look at her that she is so fragile. She is petite, weighs only 85lb now, she weighed like 100 or 105 at some point, but she wants to do all she can. She is a mom to 2 young kids.

    Yes, you need some pushing with the Insurance. Gr9 idea if you could work with HR. Best of luck. Hope to be in touch when you are done with the surgery.

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