When Fighting with Your Insurance Company Becomes a Full-Time Job
Erin Massey is busy in her day job as a scientist at a biotech company. But recently, she’s had another job, too: trying to convince her insurer, Cigna, to pay for a medication that she needs for her insomnia.
Premera, Massey’s previous insurer through another employer, covered the medication, and her doctor has deemed it medically necessary and has filled out numerous forms saying so. But Cigna repeatedly denied her requests for the insurance company to cover the medication, Quviviq, she says.
[time-brightcove not-tgx=”true”]
Massey estimates that she spends 8-10 hours a week working on getting the medication covered: talking to Cigna representatives, filling out forms, writing appeals, and otherwise researching how to convince Cigna that the medication is essential for her health. Her experience is not unusual: in total, Americans spend at least 12 million hours a week calling their health insurance company, according to a Gallup poll.
They do this because of the complicated na..