Reading the Salt Lake Tribune today I came across a story that just hit so close to home:
http://www.sltrib.com/news/ci_9424142
Family sues insurers over girl’s formula
Ashley Zundel is finally getting the nutrition she needs.
Since January, the 9-year-old girl has put 6 pounds on her tiny frame. Her once ashen gray skin has a healthy pink hue and her hair is noticeably shinier.
Ashley, who has eosinophilic gastroenteritis – a condition in which there is an abnormally high number of white blood cells in the stomach and small intestine – is allergic to food. It is a condition she will have her entire life.
While the other students in her third-grade class rush the cafeteria, Ashley retreats to the teacher’s lounge where her mother hangs a 60 mL syringe of liquid formula on a stand, connecting it via a plastic tube to the “button” on her stomach.
The $130-a-day, doctor-prescribed formula is nearly the only thing that doesn’t give Ashley diarrhea, stomach aches, headaches and sore throats – that and turkey, sweet potatoes and cherry flavored Dum Dum Pops.
But her family’s insurance company won’t cover the formula and their donated cache of it is running out.
This week the Zundels filed a lawsuit in the U.S. District Court for the District of Utah against their insurance company – BlueCross BlueShield of North Carolina – alleging the company is violating the terms of its plan and demanding that it pay the $1,000 to $4,000 a month cost of Ashley’s formula.
Heidi Deja, a spokeswoman for the company, wouldn’t comment on the litigation, but said it typically honors claims for enteral nutrition – or tube feeding – if it is doctor-prescribed and cannot be purchased over the counter.
The Zundels say that includes them.
“It seems pretty clear to us,” said Brian King, their Salt Lake City attorney. The company’s own corporate medical policy states that if the formula is prescribed for a malabsorption syndrome and two other conditions, “it’s covered and it’s paid,” he said.
Unlike some states, Utah does not require insurance companies to pay for enteral nutrition formulas for patients such as Ashley (such a state law wouldn’t help the Zundels because they have an out-of-state insurer). But Rep. Christine Johnson, D-Salt Lake City, is trying to change that.
Johnson and House Speaker Greg Curtis are jointly sending out a letter to insurance company representatives next week asking them to meet and discuss voluntarily covering it.
“I’m hoping to do it without a mandate,” said Johnson.
Without the help of their insurance company, the Zundels will be hard-pressed to pay for their daughter’s formula. Tammy Zundel said she may be left with no other choice but to quit her job so her family will qualify for Medicaid. “It makes no sense to me,” she said.
The last paragraph is what gets to me. When we asked the social workers/hospital employees/financial aid people what we could qualify for if we ever hit Caden’s lifetime insurance maximum, or if the medical supplies that the insurance won’t cover becomes too much… we were told outright the same. “Quit your job, qualify for medicaid.” Doesn’t it make you sick to know that the system you pay into your entire life, when you really need it and actually TRY to keep your job and keep providing for your family, you will be denied. We can’t qaulify for CHIP, SSI, medicaid or even go privately because Caden will always, from this point forward, have pre-exisiting conditions or we simply make too much. Which sounds okay in theory, we make too much to qualify for a government program so it should come out of our pocket so that people who really need it can get those funds. Except that I know families who have to spend thousands, literally, a month for their child’s therapy, food, schooling and other resources. What family can afford thousands a month every month, no matter what you make?
The “quit your job” is a decision that too many people have had to make in this country just to give their child the medical coverage they need. Good people who had GREAT jobs. Who were living a comfortable lifestyle, who just happened to hit their liftetime maximum or who’s medical bills became overwhelming for their child. We had a friend in Texas who had to quit his job and find another so that he could get a different insurance carrier for his son and start his lifetime maximum over again. Which would be a nice option for most people but how akward it must be in a job interview to ask upfront what insurance carrier they use. Or to even leave a job that you feel comfortable in, that you excel in, and start the job hunt for reasons completely beyond your control because there are no other options.
In a related matter, Daniel’s work actually had to switch their insurance carrier because of us. They are a relatively small company, they had great rates, but when a small company has 1 employee that runs up nearly a million dollars in medical costs in a matter of months that the insurance company has to pay… they’ll raise the rates of everyone in that company. Sorry for the soapbox today, but the situations that some families find themselves in is depressing. Depending on those dollars and resources that you are led your entire life to believe that if something ever does happen they will be available to you, and then finding out that even though you did everything right you will be denied is heartbreaking.