How to make successful claim when hospital and insurance send you in a loop?
Long story short, doctor recommended immunotherapy to my love ones for her cancer treatment.
We asked her insurance agent for confirmation that we have an adequate monthly coverage for the drug used (for immunotherapy). Yes, we did confirmed with doctor and her financial consultant.
Bill comes, insurance didn't pay. Asked her consultant, he said insurance company don't pay for anything classified under "non standard" and asked us to go back to hospital to change the classification of the immunotherapy. So we did, but hospital told us government have a SOP for them to follow and couldn't change the classification.
So now, we are caught in the middle and don't know how to proceed. Anyone faces similar issue with insurance claims too? Did you mange to get it settled?