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Ms. Toad

(38,047 posts)
28. It was in my post - a skin graft.
Thu Dec 4, 2025, 11:55 PM
Thursday

As is typical with many extremely aggressive cancer, there is a two step procedure for surgery. The first leaves a large open wound, during a 2-3 week wait for detailed pathology - since many aggressive tumors require a 1-2 cm clean margin, and it takes time to do that detailed examination.

Doctors cover that wound with a graft to minimize the risks of living with an open wound. Once there is no risk that they need a second surgery, an allograft (self-graft) is used. But that creates a second, much larger, wound so they don't generally use an allograft for the initial surgery.

So doctors need to move immediately for the first surgery, without the need for any delay associated with pre-approval to remove the bulk of the tumor so it doesn't continue to double.

The general rule for pre-approval is a 10-day delay before a procedure will even be scheduled. (My surgery was scheduled for a week after diagnosis - and doctor was upset it was delayed that much.) My daughter uses $200,000 in medical care each and every year, with a number of procedures that require pre-authorization. (She requires an MRI every year, and she is currently battling over the medical portion of her infusion (following an initial battle over the pharmaceutical portion of the infusion). That battle has been going on for more than a month. I am very familiar with pre-approval and scheduling requirements. It doesn't happen on while you drive home basis.

Because of her conditions, I am also familiar with many circumstances in which conservative therapy is not appropriate. The medication (and related procedure) my daughter is battling over put her in remission, after two years with repeated hospitalizations. Because her Mayo score is currently zero, they contend she doesn't need the medication anymore - even though the only reason her Mayo score is zero rather than 9 (as it was for much is the two years) is because of the medication. Just over example of doctors treating patients knowing more than insurance companies or AI.

And I'm my car, a history of cancer does not guarantee that even human review won't result in a life-threatening delay. The graft. I received was denied, after the fact. Had pre-approval been required, I might not be here. It was ultimately approved, but it took a month or so

I am not intimately familiar with every procedure on the list - but the fact that I have direct experience with one - and with an inappropriate denial - (and far too intimately familiar with profit-motivated denials) suggests that others would fall into the Medicare Advantage on steroids sinkhole.

Again, the government has tools to address actual fraud. They should use them, rather than turning Medicare into Medicare Advantage on steroids. There's a reason Medicare Advantage has such a bad reputation.

I am currently fine, although I had a recurrence scare earlier this year and, ironically, the doctor was reluctant to order an MRI because of his experience with insurance and Medicare Advantage.

Recommendations

1 members have recommended this reply (displayed in chronological order):

Kick dalton99a Thursday #1
They get paid to avoid providing care Bettie Thursday #2
Isn't it, though! (n/t) OldBaldy1701E Thursday #5
Traditional WmChris Thursday #3
Kicking with DISGUST!!!! Faux pas Thursday #4
One Goal Is Likely To Deny Coverage For Diabetes 2 And Its Related... ColoringFool Thursday #6
Jeezus. Joinfortmill Thursday #8
Any use of AI in a customer service context is to be feared. "Speak to a representative" is my answer to what I want to Martin68 Thursday #7
AI learns that there's a reward for denying coverage. SergeStorms Thursday #12
AI finds it more cost efficient to let us die faster IronLionZion Thursday #19
there is help for patients Nigrum Cattus Thursday #9
Could you please elaborate for those of us who are not inclined to readily click links? mahina Thursday #13
Wow! Thanks Nigrum Cattus! That's a great source for fighting insurance denials! BComplex Thursday #16
The problem isn't the availability of an appeal - Ms. Toad Thursday #20
Arizona is a swing state with lots of retirees IronLionZion Thursday #10
They will likely never hear about it, or understand it was REPUBLICANS who passed this BComplex Thursday #17
If they are looking for fraud and corruption instead popsdenver Thursday #11
They want us dead orangecrush Thursday #14
Who in the F*** authorized this change?? BComplex Thursday #15
Medicare has used private contractors to review claims since at least 1980. The pilot program is limited to 6 states Silent Type Thursday #18
Requiring conservative therapy is a Medicare Advantage/Insurance concept - it has no place in Standard Medicare Ms. Toad Thursday #21
Absolutly incorrect. Original Medicare has extensive coverage policies. No, the patient won't pay because it'll be Silent Type Thursday #22
Gotcha. You believe it is appropriate to force me to choose between Ms. Toad Thursday #25
How many of those services have anything to do with diagnosing or managing cancer? Plus, Silent Type Thursday #26
It was in my post - a skin graft. Ms. Toad Thursday #28
There is a new policy on skin substitutes that removes the incentive for doctors making thousands of dollars off Silent Type Yesterday #29
Nonsense. Ms. Toad Yesterday #31
None of those are life threatening conditions. Let's be honest here. No it's not fantasy that it will happen quickly Silent Type Yesterday #33
And just now would you know "none of those were life threatening' Ms. Toad Yesterday #34
Because I can read. None of those are life threatening and most are questionable efficacy. Have no problem telling Silent Type 5 hrs ago #35
Sorry, but you don't know what those dozens of appeals related to, Ms. Toad 5 hrs ago #36
Talking about list of procedures requiring authorization. None of those are life threatening. Silent Type 5 hrs ago #37
Except, of course the denial of a skin graft, which delays surgery for an aggressive cancer - Ms. Toad 4 hrs ago #38
If you read the procedures listed, it's for BIOENGINEERED skin substitutes, not skin grafts following cancer surgery. Silent Type 4 hrs ago #39
Trump's government... LudwigPastorius Thursday #23
It's bad enough when some employee at an insurance company who is not a doctor IcyPeas Thursday #24
I love the name - WISeR. It's become a cliche to say that every pronouncement by this administration is Orwellian jls4561 Thursday #27
Crap UTUSN Yesterday #30
who needs a "death panel?" rampartd Yesterday #32
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