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HBO Insurance Appeal

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Hi :

I am currently working on an insurance appeal with BCBS of Texas where they are

denying coverage for HBO. They paid for it in the past with no problems. In

fact, they covered about 135 treatments (129 treatments in May 99 through Sept

99 and 6 treatments in April of 01). They are denying coverage for

approximately 100 more treatments dating from Sept 2000 through September 2001.

The denial letter states: " Our review determined that the services (PC-99183)

requested is Experimental / Investigational based on the following:

The information submitted.

The medical necessity requirement of the Benefit Plan for these reviews.

The clinical basis for this determination is as follows:

" Denial Reason - Services not effective for diagnosis / treatment of condition. "

" The source of screening criteria utilized as guidelines in making this

determination was Blue Cross and Blue Shield of Texas Medical Policy Guidelines,

which are developed by Blue Cross and Blue Shield of Texas Medical Division and

which takes into consideration views of the state and national medical

communities, the guidelines and practices of Medicare, Medicaid, or other

government financed programs, and peer review literature. "

I am working on the appeal now and would like any input that you or the group

may suggest that could be helpful. I have had my hands full this year because

my son has been sick and my timeline is running out.

I am going to work on putting it together in a 3 ring binder with dividers

similar to your Georgia appeal and hopefully send it Fed-Ex this coming week.

Any help, thoughts, suggestions, or individual cases would be greatly

appreciated.

Sincerely, Tammy

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