This one goes under the heading of WTF.
Because of the rising costs of premiums, my employer has decided to switch health insurance carriers. Because I live in Massachusetts where insurance companies aren't allowed to discriminate based on pre-existing conditions, I wasn't worried about my MS treatment being covered.
But this is insurance we're talking about.
To help us with the transition, we had an information session with HR and representatives from the new insurance company. Just before the meeting, I learned that my boss was a little pissed off that he would still have to pay a $150 co-pay for an MRI. "Still?" I inquired since I've had several MRIs since I began working there and I haven't paid anything for a co-pay. We both assumed it was because his MRI was ordered after an injury and mine were used to determine my course of treatment for MS.
During the question and answer period of the information session, I raised my hand and asked the insurance rep if they waived the MRO co-pay for people with a diagnosed neurological condition...say...Multiple Sclerosis?
The rep told me she would check and let the HR department know the answer.
Well, today I got the answer and here it is, directly cut and pasted from an email from the insurance company:
Q - Would we exclude the MRI HTI copayment for members with a multiple sclerosis diagnosis?
The only exception listed is for members with a current cancer diagnosis. Each and every claim must be billed with the cancer diagnosis in order for the HTI copay to be waived. The copayment would apply in all other circumstances.
The good news is that my boss is taking this to a higher level--more evidence that I work for a compassionate organization and not an evil insurance company.
This recent event made the following video and the ongoing health insurance reform debate even more relevant to me as a person with MS. I sincerely hope that Congress has the good sense to keep the public health insurance option.