An American woman says she’s been stuck with a $40,000 diagnostic device because her insurer refuses to cover the medical device.
Kate Mccarthy says her insurance company refused to cover her $40K diagnostic device, despite its clear signs of the deadly virus.
“I was actually very concerned when my insurance said they didn’t have the device,” Mccarty told The Hill.
“So I went to the doctor and he told me they could send it in for testing.
I went there and the tests showed I had a high level of the virus, and that I would have to be taken to the hospital.”
She’s now going to court, seeking damages from her insurance, and says she was told she would have been covered for the device if she’d been told the virus was deadly.
“They told me, ‘It’s a standard medical device,’ so they can’t deny it, they can do whatever they want to do with it, and I was just hoping they’d say, ‘Oh, well, it’s just a standard diagnostic device,'” she said.
Mccarthy, a registered nurse, is suing her insurance over the decision.
She’s hoping her insurance provider will pay the full cost of the diagnostic device in her first instance, and then reimburse her in the event she has to be hospitalized.
Maccarthy’s insurer, Blue Cross Blue Shield of North Carolina, says its policy only covers diagnostic devices that are tested in a hospital.
However, Blue Shield has declined to offer reimbursement to Mccarths family for the diagnostic instrument, which is a medical device used to treat patients with neurological disorders.
In a statement to The Hill, a Blue Cross spokesperson said the company’s policy only protects diagnostic devices.
“If a medical equipment provider is not available to provide a test for the patient, a physician can request a test,” the statement read.
“The Blue Cross Medical Device Policy does not cover diagnostic devices, and the company does not reimburse doctors for their services to patients who request test results.”
Mccarty says she has already been referred to the VA for testing and will be required to be admitted to the same hospital as the virus patient in order to get a diagnosis.
“This is ridiculous, because it is standard procedure for doctors to be able to treat the patient who is having a CT scan or other tests,” she said in a statement.
“It’s outrageous for my insurer not to cover this device.
This is outrageous.
It’s not like I am going to pay it.”
Maccarty says her family members have been left with no choice but to ask the federal government to cover their medical costs for a medical test that may not have been necessary.
“We have no other choice but be forced to go to the local VA hospital to get the test,” she added.
“This is just one of many medical problems that have arisen due to the lack of medical care.”