[ SECRET POST #6481 ]

[case]

⌈ Secret Post #6481 ⌋

Warning: Some secrets are NOT worksafe and may contain SPOILERS.


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Notes:

Secrets Left to Post: 01 pages, 07 secrets from Secret Submission Post #926.
Secrets Not Posted: [ 0 - broken links ], [ 0 - not!secrets ], [ 0 - not!fandom ], [ 0 - too big ], [ 0 - repeat ].
Current Secret Submissions Post: here.
Suggestions, comments, and concerns should go here.

Comments

Copying this over from my Dreamwidth

[feotakahari]

I call Anthem Blue Cross. I tell them I need a mandibular advancement device. They give me the number of a local in-network dentist.

I call the dentist. They’re not in-network, and they’re sick of Anthem saying they are.

I call Anthem. They say they don’t even cover mandibular advancement devices, and I should call MetLife Dental.

I call MetLife Dental. They don’t cover mandibular advancement devices. That’s Anthem’s job.

I call Anthem. They give me a list of all in-network dentists within 20 miles who can give me a mandibular advancement device.

I call the dentists. One puts me on indefinite waitlist because they have so many patients already. Every other dentist is either out-of-network or doesn’t provide mandibular advancement devices.

I call Anthem. They say they can’t give me a list of dentists, because they’re medical insurance, not dental insurance. I try to explain they already gave me a list of dentists, and I get nowhere. They tell me to call MetLife and get a list of nearby dentists from them. Even if they’re out-of-network, Anthem will still pay 70%.

For lack of a better idea, I call MetLife. I say I need a local dentist who can provide a mandibular advancement device. They say they’ll send me a list of local dentists. I say I specifically need dentists who can provide a mandibular advancement device. They say they sent me the list of dentists. I hang up.

I call one of the dentists on MetLife’s list. They don’t provide mandibular advancement devices.

I call one of the out-of-network providers from Anthem’s list. I ask if it’s true Anthem will pay 70%. They say Anthem will pay 70% of the allowable rate, but they don’t publish what the allowable rate is, so it could be anything. I’m on the hook for everything else.

I call Anthem. They tell me it’s the provider’s legal responsibility to tell me how much I’ll have to pay. It’s not their responsibility (and they don’t tell me the allowable rate.)

I call the provider. They say it’s their legal responsibility to tell me the pre-insurance cost, but they have no idea how much Anthem will reimburse, because Anthem.

I give up and pay the provider thousands of dollars in cash for a mandibular advancement device. Fuck Anthem to hell and back.