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Ravens and the insurance run-around

InsuranceRay LewisLardarius Webb

I heard on the radio this week about the surgery schedules for the Ravens' Ray Lewis and Lardarius Webb, who were both injured this past weekend ("Lewis on IR; return a hope," Oct. 18). I understand that pro athletes deserve good health care, but how about our kids?

My daughter tore her ACL last spring while playing soccer. I followed our health insurance guidelines and took her to be x-rayed at a local Patient First. After being x-rayed, I had to take her to her pediatrician to get a referral to see an orthopedic surgeon. I received a referral from the orthopedic surgeon to get an MRI. The MRI facility had to have the surgeon's treatment plan to submit to the health insurance company, for the health insurance company to decide if the MRI was necessary. My question to the MRI facility was "How can the surgeon submit a treatment plan until he finds out if her ACL is torn or not?" Needless to say, I did not get an answer. It took approximately 10 days to get an MRI scheduled and to get a diagnosis, and I was charged four different co-pays.

My daughter is currently in rehab for her knee, and the surgeon has prescribed another MRI to determine if additional surgery is needed due to scar tissue build up. I called to schedule the MRI and received the same response "The surgeon must submit a treatment plan for the insurance company to determine if an MRI is needed." Here we go again!

Pro athletes who get injured can get a diagnosis, treatment plan and surgery scheduled and completed in days after being injured, but our kids can not? By the way, my health insurance is $1,332 a month!

Kristin Bachran, Belcamp

Copyright © 2014, The Baltimore Sun
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