My name is April I am 40 years old. I am so dissappointed with how the insurance company deny many medical needs for women. Let me tell you my story. Four years ago I was diagnosed with Fibroid tumors and Low Iron Anemia. I went into surgery and had the fibroids removed and was put on chromagen for the iron problems. This was covered from my group insurance company at work. Shortly after the surgery I started a new job that did not provide health insurance. I had bought an individual plan from BCBS (Blue Cross Blue Shield of AZ). They made me sign a two year waiver stating they would not cover any problems that had to do fibroid tumors for two years. Last July the two year waiver was up and I had wrote them to take off the waiver since i had no problems with fibroids in that two year period. I had not heard back from them. I paid my premiums on time. Then October 2007 I started to have severe bleeding issues again and went to my doctor. The Doctor sent me in for an ultrasound which came back that my uterus walls were thickening and the uterus was enlarge due to probable fibroid tumors. Then I had a biopsy done on the thickening which was begnin. Meanwhile, BCBS wrote my doctor in October 2007 and decided to make it a permanent waiver on my medical insurance. I feel these waivers are misleading to the public. It was a two year waiver. Since then I am having severe bleeding three weeks out of the month, also discoved PCOS from a blood test, Then I was sent in for and MRI and the fibroids are back. My docter told me I need to have a complete histerectomy. Now BCBS will not cover it.I have appealed the 1 st discision which they had denied and they denied the second appeal. What do I need to do?I am in the process of trying a third appeal. However my iron is being maintained with the Chromagen but hard on my digestive system. The bleeding is out of control and heavy 3 weeks out of the month and the birth control does not work. My hormones are out of wack due to the bleeding an PCOS. I am having a hard time functions due to all of these problems. Work has been difficult. I need to be focused at work. What do I have to do bleed to death before I can get help from the insurance company. They should not be dictating my health. I pay my premuims on time monthly. They should not be allowed to do this to people. Its a way for them to get money from people for premiums and then they will put permanent waiver of coverage on them this is not right and misleading to the public. Does anyone know how I can get help? Does anyone know alternative treatments or a way to get my surgery covered. I want to feel better!!Please Help!! Thank you, April.
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