The second in a two-part series on insurance and lumbar artificial disc replacement surgery
After meeting with your doctor, you’re told that you’re a candidate for artificial disc replacement surgery. You and your doctor discuss what surgery entails, and he answers questions regarding your insurance coverage. You learn that your health insurance carrier requires that your doctor submit paperwork for preauthorization prior to performing surgery to determine whether or not they will cover the procedure. Your doctor submits details regarding your diagnosis, why you need artificial disc replacement, and where the surgery will be performed. Your insurance company will perform its clinical review, and within 15 days of your prior authorization request, if they deny you coverage, they must send you a written explanation of their denial. If that happens, what can you do next?
Why They May Have Denied YouAs outlined in our first installment in this series, your health insurance provider likely denied you coverage based on any of the following:
- The surgery is specifically not covered within your policy, or your insurance company has determined the treatment is not medically necessary.
- Your insurance company has determined the treatment is not medically necessary, or it does not have therapeutic benefits.
- Your insurance company deems the recommended treatment option to be experimental. This can be the case for procedures that involves new technology.
Know Your RightsOnce you determine that you have been denied, your insurance company is required to tell you how you can proceed with an appeal. According the the U.S. Department of Health and Human Services (DHS) website, “You have the right to appeal a health insurance company’s decision to deny payment for a claim or to terminate your health coverage.”
Internal AppealThe DHS recommends that you begin with an internal appeal. These internal appeals are your first request to have your health care claim reconsidered after denial. The health care plan’s in-house clinical reviewers handle this process. To make sure that you put your best foot forward during this process, DHS recommends you do the following:
- Complete all of your health care plan’s required forms.
- Provide all information for reconsideration, including a letter from your doctor.
- If you’re interested in having someone advocate for you, your state’s Consumer Assistance Program can file an appeal on your behalf.
- File your internal appeal within six months of the date that your claim was denied.
External ReviewThe next step in the appeal process is an external review. An external review is your right to have the requested service evaluated by an independent third-party physician who specializes in the area pertaining to the case, which, in the case of lumbar artificial disc would be an orthopedic or neurosurgeon. External reviews are effective because they place pressure on health insurance companies to re-evaluate coverage policies in light of compelling data pertaining to the procedure. At the end of this appeal, a final decision will be rendered by which an external review either upholds your health care plan’s final decision or their denial is overturned and coverage is decided in your favor. If the latter scenario occurs, your insurer is legally obligated to accept the external reviewer’s decision. Expect the eternal review process to take up to 60 days. While these are general guidelines to follow, be sure to investigate and learn the complete guidelines that govern your state. Any questions or assistance needed to file an appeal should be addressed by your state’s Consumer Assistance Program or Department of Insurance.
Need Help? BackerNation's Free Back Wellness Coaches can guide you through your Artificial Disc Replacement (ADR) journey:
- ADR Surgery Education
- Understanding Post-Operative Care and Recovery
- Locating a Surgeon Near You
- Second and Third Opinions
- Translating Imaging Results
- Pricing and Value-Based Surgery
- Insurance Approval
- Insurance Appeal Process