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[IP] Insurance coverage for pumps
Don't easily give up. I had to fight with my
insurance company for two years before I got coverage. Have your doctor
write a letter to the insurance company stating that it is a
necessity. I had two different doctors write letters saying that I
needed the pump. My insurance company dragged their feet even after I had
the OK from their own medical director. Then they tried to tell me
it wasn't a covered benefit under my policy. I finally threatened to get a
lawyer and take them to court. My insurance company finally paid for
the pump and has been paying for my supplies for over three years
now. Fight till they give in.
Insurance companies will try to wear you down in
the hopes that you will get discouraged and give up.
Another good idea is to keep copies of everything
you send to your insurance company. If you talk to anyone on the phone get
their name and keep a written record of all calls. When I finally got
written approval I made copies of the letter and locked up the original letter
so that nothing would happen to it.