Carrier screening required before donor sperm selection: BCBS and Natera [USA insurance issues]
I am SMBC. Fertility clinic requires genetic carrier screening before proceeding with sperm donor selection from bank and downstream process. Met with genetic counseling and they ordered a carrier screen test with natera. Gave sample immediately and went home.
1 week later I discover that the pre-authorization submitted by the genetic counselor is denied by my insurance (BCBS). After 2 hrs on the phone I learn it is denied because "not medically necessary". I get the denial letter and send to the provider. Hopefully they will appeal since it IS obviously medically necessary and they won't proceed without it.
In the mean time Natera is pushing me to go the "self pay" option without insurance and pay them like $350. If insurance covers it, however, it would be 0. I don't see why they WOULDN'T cover it given that I can't exactly proceed without it according to the clinic. Natera says the self pay option is only available for 1 more week then they submit the claim to insurance. Insurance says it may take 30+ days to review any appeal from my doctor after they receive it. If they process the Natera claim before they review the appeal or they deny the appeal, the claim will get auto denied and Natera will come for me.
What the fuck do I do to get this sorted out? Natera says they may "consider" budging on the self pay expiration deadline but no promises. Insurance won't process anything faster and the doctor is still writing the appeal.
I hate insurance. Please advise.