Americans Are Sharing Their Health Insurance Horror Stories, And Something's Gotta Change

I experienced a miscarriage and then became pregnant again years later. During that second pregnancy, I began having the same symptoms I had during the first miscarriage and went to get checked up. An ultrasound confirmed the baby was still doing okay, and the doctors agreed that it was good to come in since I recognized symptoms and was being proactive to make sure it wasn't happening again. Because the baby was okay, the insurance company deemed the visit and ultrasound to have been unnecessary and sent me a large bill. Apparently, I should have ignored the warning signs, I guess.

Having a rare autoimmune disorder myself, I have many insurance horror stories. One that is a continuing nightmare is a battle for this monthly infusion called IVIG. This infusion is one of the few things that actually helps me. Since my disorder is rare, there's only one medication out there approved for it. This means any other medications that help are 'off-label,' so typically, insurance won't cover it. You can appeal and fight their decision. This sometimes works. With the IVIG infusions, my doctor and I won our appeal about 7 years ago. Everything was going well with getting it as an outpatient until last year.

The insurance company stopped paying for my infusions, which I wasn't even made aware of until the company that supplied it to me contacted me for an outstanding balance I didn't know I had. When I contacted my insurance company, they informed me that my coverage had changed.

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