Clif Garboden, writing in the Boston Globe, discusses his insurance carrier’s denying him treatment for a chronic condition which sometimes follows cancer treatment. Fortunately, this flare-up was more inconvenient than serious, but the condition is potentially life-threatening A nugget:
Harvard-Pilgrim recently took time out from stonewalling state regulators over proposed double-digit premium increases to deny me coverage for therapy to treat my chronic lymphedema, an expected after-effect of stage-four neck-cancer treatment during which 39 lymph nodes were removed from my neck and shoulder. Harvard-Pilgrim turned me down simply because I’d been treated for previous attacks. That was several years ago, but no matter, the clause in the policy says “per condition,’’ and that’s that.
Doesn’t Harvard-Pilgrim understand what “chronic condition’’ means? Yes, I believe it understands perfectly. “Chronic’’ means it happens over and over again, so if an insurer wants to cut costs, what better place to begin than by eliminating payments for recurring problems?
I have the right to appeal this rejection (the process takes 180 days), but frankly, I have better things to do with my remaining time on earth than play against a stacked deck with a bunch of bandits.