To prevent pneumonia, Carrie Lazoen says that her 2-year-old daughter Emmaline needs a “shatter of vest”.
Emmy, as her family calls her, has a rare genetic state called Haykardi syndrome. Disease – which can reduce life expectancy – affects her brain, causing Seizuresvision problems and significant developmental delays. As a result, Emmy cannot walk on his own. Everyday activity requires careful monitoring. She cannot sit on her own or hold her head for a long time.
A shaky vest, officially called a high -frequency vest for fluctuations in the chest wall, vibrates when Emmy wears it to weaken and pure mucus in its lungs.
But Lazoen said that it took several months and three denials, before the primary family insurance, United Healthcare, approved the coating for renting a vest. In one letter of the denial viewed by NBC News, dated April 17, United wrote that the condition of Emmy did not have the right to cover the vest partially, because Emmy did not get into Mild infections – Exactly what should prevent the vest.
The episode was only one of many Lazoens, from Manito, Illinois, was dealing with when it comes to the coverage of Emmy's concerns.
“It's terrible,” Lazone said. “It should not be so difficult to cope with them when you have a child with disabilities.”
Ultimately, the majority of family insurance claims were approved. But the story of Lazoens emphasizes the harsh reality for many families who have children who suffer from an exhausting disease. They are forced to conduct two fights: one for the concern of their child, and the other against the arrival of the insurer.
If you are dealing with bills that, it seems, is not in the line or the denial of the coating, care or repair, whether for health, at home or car, please write to us [email protected].
According to the Lazon, some claims approved for one month are denied in the following. In other cases, the same requirement is rejected to four times. These include claims for medical equipment, as well as regular physical and professional visits to therapy. Lazoen said that in general, most of the claims she submitted was originally refused United. According to the Lazon, they sometimes had to turn to their secondary insurance, Blue Cross Blue Shield.
