Thursday, June 07, 2007

Remember My Life Insurance Scare...

As you might recall, four weeks ago I had a unsettling call from my Insurance broker. She informed me that my request to be insured was denied. (My husband and I are already insured but the premiums have gone up with our age so we decided to check out another company.) She stated that this was unusual and I went into worry mode, fearing the worst.

I sent an email to the Insurance Company requesting that a letter stating the reason I was refused be sent to my Doctor. I didn't see my Doctor until ten days later when she finally received the letter from the Insurance Company.

However when I visited my Doctor , she couldn't locate the letter but told me that she remembered it and that the insurance company had denied me because of kidney disease. I was stunned because I am on lithium, which has the potential to harm the kidneys. I was a mess all weekend.

Then on Tuesday of the following week, I could wait no more and called for another appointment. By then I had done a lot of Internet research and was convinced that not only did I have kidney disease but I might undergo renal failure at any moment.

At that Tuesday appointment, I was about to list my symptoms to her when she confessed that she had mixed up my insurance letter with someone else's.
I do not have kidney disease and she doesn't know why they would refuse me for there was nothing in my charts to warrant it.
I laughed, would you believe? I didn't even care that she had made a mistake! I am healthy!

As it has been my long term plan to cut back on Lithium and eventually be Lithium-free anyways, I am now on the low dosage of 600mg/day. I have 2 healthy kidneys that I want to keep happy.

11 comments:

mompoet said...

Carol, I am glad that you do not have kidney disease, and sorry that you had to go through so much worry about it.
mp

aurora said...

If I'm ever in the area, I'll slap both the doctor and the insurance company for you, okay? :)

Barbara said...

I'm so glad Carol. Next time talk yourself into something great. :))

wandi said...

Glad to hear that your kidneys are healthy. I find it so hard to trust in doctors and the medical system. Who do you believe? Sorry you had to go through all the worry.

Imran said...

Wonderful news!

You had me worried until that bold line saying you don't have kidney disease. Phew!

Wish you well!

Pat Paulk said...

Carol that is good news. Better living through chemistry, as long as the chemicals don't kill ya.

J. Andrew Lockhart said...

I'm glad this ended well.

Pearl said...

Glad to hear of your health status shift. Jeepers, those paperwork trails get dodgy by times.

Jon said...

Glad it's OK!

I've heard of insurance rejections due to a diagnosis of bipolar disorder, so it's good they didn't immediately dismiss you for that.

rdl said...

Yeah, i love happy endings!

Emily said...

Good grief! Talk about a scare!! Maybe a new doctor is in order? I'm definitely glad you're healthy but honestly, I'd tell this doctor to check and double check before saying ANYTHING like this.

Take care and I'm glad you're doing well on your medication...hope the low dosage works for you! :)