Q: I am an international student at US. I did an emergency operation but the insurance didn't pay it.
The hospital took an authorization to do my emergency surgery. Now, The insurance did not wanna pay the cost. they state that it's a caused by pre-existing condition. When I asked what is your proof about it, they told me "We can not disclose information related to pre-existing condition".
please, Tell me what should I do with them.
A:
One option you have is to explore whether the insurance company provides for an appeal process of their decision to deny payment for the emergency surgery. Find out if the determination of the appeal would be binding. If it would be, depending on what is at stake in terms of the cost of the emergency surgery, you might want to consider consulting with an attorney. It isn't possible to make a call on the merits of your case without seeing the file and knowing what the pre-existing condition is, but even if the procedure was pre-existing, the fact that it arose in an emergency is something that should be considered in your favor. Good luck
Tim Akpinar
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