‘Grateful’ is a word that gets used a lot these days; maybe too much – or maybe not enough. However, grateful is how I feel. Last year, I had a scary, uncertain health issue that lasted most of last year. I’m better now. And, my insurance company – with prodding from a government oversight agency – has been ordered to pay the remaining medical bills.
I haven’t said much for awhile now, and nowhere else on Social Media, in part because of the uncertainty of it all. And, also, I didn’t want to have a public dialogue about my journey. I did this blog for awhile simply to try to keep track of the health part. So, now, if this can help anyone, or encourage folks to fight for your health, and for your rights, well, here’s the recap and conclusion:
About 15 months ago, I got hit with a ‘Severe to Total’ case of Bell’s Palsy. Half my face wouldn’t move. I couldn’t close my eye, raise my eyebrow and my speech was blurred. Though the odds of at least some recovery from BP is stated to be 71%, my doctor flat-out told me that, given the severity of my case, I might not recover at all.
Now, I’m pretty much good as new. And, 463 days after first getting diagnosed, I’m officially off the financial hook for a lot of acupuncture. I’m convinced that that twice-weekly needle-fest helped. My remaining medical bills will be paid by my insurance company like they first promised, but later reneged on.
We’ve probably all had some version of this runaround. After continued denial of claims, I filed a grievance with the insurance company, via their online form – which permits fewer characters than a Tweet. In it, I packed conversation histories, tracking ID’s, dates and names of their verbal assurances. It was rejected. I then learned of a government agency, The Department of Insurance run by the State of California. I filled out a one-page form, included a three page letter detailing my case, as well as dozens of pages of supporting documents.
And, earlier this week, I received official word from this agency that my insurance company will ‘make an exception’ and cover the bills that they had originally promised they would. It was a huge time-suck filled with uncertainty, and I’m thrilled to have this behind me.
In my efforts to get better, I tried various suggested Western and Eastern medicine. I was prepared to try Northern and Southern medicine, if those exist. I detected the BP early, so, by all accounts, I was in position to be done with it quickly. Not so, in my case. For several months, I taped my eye shut at night to avoid scratching the cornea. I couldn’t eat easily. I couldn’t say my F’s nor my S’s. I might have had less of the alphabet available, too, were I not a trained actor. In fact, one of the best tools to my recovery was vocalizing; the vibrations from vocal practice helped stimulate my face. I think the biggest help, though, was acupuncture. That really stimulated the facial muscles. I went to one acupuncturist, who was OK. But, after half of my allocated sessions through insurance, I found a second one – and boom, I could feel a real difference. Also at the halfway point of my official allotment of sessions, my insurance company assured me that, should I need additional sessions than the yearly allowance, I’d be covered. That was a short-lived relief. I felt the acupuncture was really helping, and with their documented-verbal OK, I continued well past my allotted number of sessions. But, bureaucracy was rampant. With claims getting rejected, I would often contact the insurance company to inquire. It was almost a game. They would direct me to their Pre Authorization Department, and there, I’d be told that there IS no Pre Authorization department for this. Nobody at the insurance company could provide a letter of pre-approval. Still, there were a few supervisors that echoed the original verbal OK that I’d of course be covered. But…the insurance company refused the Claims.
I took copious notes during my several calls to the insurance company over the months. I was given plenty of mixed messages. The only clear message was that my acupuncturist was not getting paid. The stress of this didn’t help me nor my Bell’s Palsy. In fact, this financial uncertainty prompted my acupuncturist to the leave the practice, and return to her home country of South Korea. Her livelihood was directly impacted. That’s how wretched and disorganized this odyssesy became with my insurance company. I’m sure this isn’t news to anyone who’s dealt with insurance claims. One hand doesn’t know what the other hand is doing. And/or, they expect to outlast you when you throw up your hands and say, ‘Enough.’ They expect to wear you down – it’s a war of attrition.
I’m grateful to be feeling better. I’m grateful the insurance company is being held accountable. I’m sad that it took this much to get justice, and that in the process was lost a great practitioner and good soul. I feel fortunate to have insurance and to have an objective third party to appeal to. I do wonder what might happen were any Repeal and Replace legislation to pass.



