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My spouse had their lung collapse. Insurance denied it because we didn’t get advance approval for their lung to collapse.
This is scary, as an European. I had my left lung collapse too. Two years later my right one. After that I had to have surgery on my right lung (Pleural Abrasion) and a few months of physiotherapy after that. I also had a yearly appointment with a Pneumology MD for 5 years to follow the development of the lung until it was all fine.
How much did I pay? You guessed it...zero. Now I wonder how much would that set me back in the US with or without insurance.
I’m glad you’ve recovered! They did say it was more likely for my spouse to have a lung collapse again, which is scary.
Luckily my spouse’s employer has someone whose whole job is to fight with insurance. She got insurance to admit that in an emergency we didn’t need pre-approval which brought our bill down some.
Had something similar, failed to get pre-approval for a CT scan to diagnose a pleural effusion. Yes, I was supposed to wait 24-36h for someone unfamiliar with my case and likely not even a doctor to determine if a diagnostic test was nessasary.
Edit DDD