body lotion - When I got denied my health insurance coverage

Jacqueline Ruess was lying on a bed in a hospital in Boca Raton, Florida, still woozy from anesthesia, but in the hope that maybe they just had a break for health insurance coverage.

She had a laparoscopic surgery, in order to examine a growth from her doctor said the cancer of the ovaries. Health insurance coverage, Ruess, the 34 in the period, in autumn 2001, fears that her two boys, whose father died a congenital heart defect, three years, were also before the dismissal.

"It was probably the darkest week of my life since my health insurance coverage husband died she recalls.

But how consciousness Ruess, his own mother to her bed, looking health insurance coverage relieved. It has begun what they heard: You are OK. The growth was due to the fallopian tubes, which is not to be ovarian cancer - a less worrying. Shortly after a pathology report confirmed that the tumor itself was positive - health insurance coverage.

"The only thing I could think about was my boys," Ruess says, "and the great relief that I was there, to the students after each."

But four months after Ruess medical crisis passed, they had to deal with a financial. Insurers Administrative Corporation (IAC), the company succeeded in Phoenix Ruess of health insurance coverage policy, has completed what he says is a routine examination of the files and found the evidence as' an existing Gynecology.

Because Ruess not the symptom of the application, the insurance said that they never be entitled to the coverage of gynecological problems. The result: health insurance coverage Ruess was on the hook for the cost of his speech, which also accounts for the doctor and the hospital, amounted to over $ 15,000.

Ruess was flabbergasted. "I was - please forgive me the lack of a better word - pissed off," she says. What is the IAC pre-condition was called only once in his log file on the "dysfunctional uterine bleeding" - that is, irregular, a problem that at a given moment between 10 percent and 30 percent women in the reproductive health insurance coverage years. In times when they are of irregular periods, Ruess had her husband and her father died, is also the reason why his doctor has the symptoms of stress.