Re: anyone not get an implant after surgery?

[Guest guest]

i had a cholesteatoma removed in april. i was covered by a short-term insurance policy. i have since obtained long term HMO coverage (an individual plan). in maryland, where i live, HMOs are not allowed to impose preexisting condition exclusions. therefore, i assumed my followup operation must be covered. however, i am getting the feeling they might try to claim that i did not disclose i needed the second operation and ultimately deny me. i did disclose the cholesteatoma on my application, and they requested a medical report from my doctor, which they got, before they approved my application. i think they are on pretty shaky ground to somehow claim that i failed to disclose something; surely i disclosed the condition, and i would hope my doctor clarified on the report the fact that i need a followup operation. but i really don't feel like dealing with the hassle of appealing such a decision and ultimately taking my insurer to court.having said that, i am thinking

about either not getting the operation or putting it off for a while if i ultimately conclude i am taking a risk of being denied insurance. my question is, has anyone not gotten the incus bone implant? that is one of the things i need to have done in my followup. my hearing really is not all that bad; i don't really notice any loss. anyone have thoughts on how necessary the implant is? i know the operation is important because it looks for further cholesteatoma growth, but i have a feeling i can just get periodic checkups from my ENT to monitor for that.

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[Guest guest]

--Hi,

I just wanted to encourage you to have the surgery and deal with the

insurance company if they give you a problem, which I doubt they

will. I had problems getting individual insurance to cover my sons

ears because of past problems he has had and therefore when I did get

approved I did not want to make an appointment with a well known ENT

right away as to be red flagged and I really regret it because I

waited 6 months and found out he had a c-toma. Had I gone earlier it

would not have been so bad and done so much destruction.

Take care of your health first especially if it is to check for

recurrance and fight them if they di give you a problem.

Hope you take care of yourself and do not let the insurance issue make

you possibly loose your other 2 hearing bones if you have a new c-toma!

Best of luck!

- In cholesteatoma , bob pennington

<cubiclebang88@...> wrote:

>

> i had a cholesteatoma removed in april. i was covered by a

short-term insurance policy. i have since obtained long term HMO

coverage (an individual plan). in maryland, where i live, HMOs are not

allowed to impose preexisting condition exclusions. therefore, i

assumed my followup operation must be covered. however, i am getting

the feeling they might try to claim that i did not disclose i needed

the second operation and ultimately deny me. i did disclose the

cholesteatoma on my application, and they requested a medical report

from my doctor, which they got, before they approved my application. i

think they are on pretty shaky ground to somehow claim that i failed

to disclose something; surely i disclosed the condition, and i would

hope my doctor clarified on the report the fact that i need a followup

operation. but i really don't feel like dealing with the hassle of

appealing such a decision and ultimately taking my insurer to court.

>

> having said that, i am thinking about either not getting the

operation or putting it off for a while if i ultimately conclude i am

taking a risk of being denied insurance. my question is, has anyone

not gotten the incus bone implant? that is one of the things i need to

have done in my followup. my hearing really is not all that bad; i

don't really notice any loss. anyone have thoughts on how necessary

the implant is? i know the operation is important because it looks for

further cholesteatoma growth, but i have a feeling i can just get

periodic checkups from my ENT to monitor for that.

>

>

> ---------------------------------

> oneSearch: Finally, mobile search that gives answers, not

web links.

>