A little while ago, I wrote a nice, long post about how I apparently owe Medtronic Minimed three thousand dollars – and some change – for an upgrade on my insulin pump so that I could get on the Minimed CGM system.
Nicole and a few other bloggers left me comments saying that the issue could be that my deductible for Durable Medical Equipment has already been met and that if I don’t make arrangements with United Healthcare, I might NEVER get covered.
After procrastinating for a few days, I finally worked up the nerve (and summoned the strength to deal with an insurance agent) and gave United Healthcare a call.
I explained to Mr. Insurance Agent that I was a type 1 diabetic, had recently ordered an insulin pump and CGM system, and that apparently they had approved the CGM, but not the insulin pump.
“This is kinda weird,” I told him. You know, insurance companies are supposed to like insulin pumps and hate CGMs, not the other way around.
It took a couple of tries before Mr. Insurance Agent to track down the right claim (apparently saying “the insulin pump I ordered last fall” makes one think “January 2009”). But eventually we got to the right amount.
The $3,024.50 amount.
Then he put me on hold while he spoke to a supervisor.
A few minutes later, Mr. Insurance Agent came back. He told me that he had no idea why the claim wasn’t approved and that he was sending this back to Claims with an Urgent Priority. He told me that he looked at my benefits and that my coverage is 100% for in-network (which Minimed is), so there is no reason for me to be billed.
Minimed doesn’t think I should be charged.
United Healthcare doesn’t think I should be charged.
I don’t think I should be charged.
Glad to see we’re all on the same page!
Mr. Insurance Agent told me that if I wanted, I could call back in 5 days but that the new claim should be posted to my account on myUHC.com. Hopefully this will solve the problem, though I’m not sure why it’s taken Minimed so long to figure this out. Mr. Insurance Agent told me it would only take a few days, yet Minimed has been working on this for a couple of months now. It makes me wonder if my phone call really did any good, or if I’m going to be back on the phone with United Healthcare. As I told Mr. Insurance Agent, “Three thousand dollars is A LOT of money.”
I have better things to spend it on.