Re: Skin Tag Removal Question...PLEASE REPLY!! :))
From: Anonymous (anonymous@obgyn.net)
Tue, 28 May 2002 07:57:37 -0500 (CDT)
Thank you, Cheri!
--
Anonymous
At Mon, 27 May 2002, Cheri wrote:
>
>Hi Anonymous,
>
>I work as a medical claims processor for a major health insurance
>company. This is what you need to do:
>Have your doctor send office notes including the diagram indicating
>where all of your skin tags are. Have the doctor include any problems
>that they may be causing- pain, irritation, etc. Your doctor should
>know what to send in. You can request that your insurance company do a
>"pre-determination of benefits" on any that you have not done yet, and a
>medical review on any that have been done. If they deny the claim,
>appeal it. With the most of the plans that we handle, there is the
>internal review by medical staff (generally RN's), the second appeal is
>a peer review (doctor), then third appeal may actually go through your
>employer. It can't hurt to try. Also, the insurance company should
>cover the initial office visit if you already haven't gone.
>>From my experience, if the skin tags do not "physically" bother you in
>any way, then it is considered cosmetic and then would not be covered.
>But each case and insurance company is different. Also, keep in mind if
>the insurance company is only the adminstrator-- if so, you may want to
>talk to a human resource represenative. Also, review your plan book.
>
>I hope that this helps you. I'll be glad to answer any other questions
>that you may have about insurance. This is the one part of PCOS that I
>do not have. I seem to get some, but then they disappear-- who knows
>how that happens. Thank God on at least one symptom that I DON'T have a
>problem with.
>
>--
>Cheri
>
>At Fri, 24 May 2002, Anonymous wrote:
>>
>>QUESTION - I want to go to the dermatologist to have my many skin tags
>>removed. I have heard that sometimes it is covered by insurance,
>>sometimes it isn't. Of course, it's looked at as cosmetic to health
>>insurance companies, however, I am wondering if I can prove that it
>>should be covered due to the fact that we get these because of an
>>insulin problem, and therefore, it is a medical reason. I have so many
>>tags around the sides and back of my neck that if I had to pay for each
>>one to be removed, it would probably cost a ridiculous amount. I'd
>>appreciate any and all responses to this. THANKS!!!
>>
>>--
>>Anonymous
>>
>>--
>>Anonymous
>>
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Anonymous
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