I still recall how frustrated I was when our insurance company denied speech therapy for Teddy. At that time, he was 15-months old and completely non-verbal. He lacked the ability to attend to toys and honestly interact much with people including making eye contact and tracking motions. His speech scores were the lowest of all his test scores, with many of his skills in the 0-3 month range. That's tough for a parent to hear, although we obviously knew he wasn't going to score well.
Even tougher was hearing that the insurance company didn't feel it was necessary for him. At first, I was downright mad. Many an inappropriate word left my mouth, and it was very difficult not to write an appeal based on emotion. Instead, I did what research I could and wrote an appeal based on as many factual aspects as possible, which was a bit difficult without a true diagnosis for Teddy. This was the appeal:
Dear Sir or Madam:
My son, Theodore Blondheim, is a 15-month-old boy who has been
diagnosed with hypotonia by his pediatric neurologist. To remediate this
condition, Theodore has been receiving occupational therapy and physical
therapy and has met several of his therapeutic goals in these areas within the
past two months. All concerned believe continued therapy is crucial to overcome
this condition.
Humana denied a request to begin speech therapy for Theodore beginning
September 11, 2014. The denial was issued because therapy was deemed a
non-medically necessary service to address learning disabilities.
Theodore’s hypotonia affects the muscles throughout his body and is not
restricted to his trunk. His hypotonia affects his oral motor musculature. A
child with hypotonia, “lacks head and chest control and exhibits low tone in
the face and mouth. Sucking, chewing and swallowing are difficult for these
infants and toddlers. Drooling food and saliva from the mouth is common and may
persist in the school age child,” according to “Early recognition and intervention is the key to recovery for Benign
Congenital Hypotonia” by Shannon
Munro Cohen, RNC, BSN and Teresa Whitt, Ph.D.
Theodore has demonstrated
constant drooling, unassociated with periods of teething. With the assistance
of his occupational therapy, Theodore has learned the motions of bringing a
sippy cup to his mouth to drink. However, Theodore is unable to properly
swallow liquids from sippy cups without soiling his shirt within a few sips as
he lacks the muscle control to appropriately drink from a sippy cup. When
Theodore wears a pocket bib, the entire pocket of the bib is filled with the
liquid within 5 minutes of attempting to drink.
Hypotonia is not a
developmental disorder or childhood delay. If left untreated, my son will not properly
develop meaningful speech or coordinated motor abilities related consumption of
food and beverages. Lack of meaningful speech and these motor abilities would
result directly in a deterioration of my son’s health and safety, in that he will
not be able to communicate medical needs and will be unable to function in
daily life skills involving eating and drinking that are directly related to
his health and wellbeing.
Speech therapy is among the least expensive and least invasive
form of treatment accepted by the medical community and is not implemented for
the convenience of the child or therapist.
Since hypotonia is a medical condition and not a developmental
delay or disorder, and since speech and therapy is medically necessary, we are
asking for three months of speech therapy followed by a reevalution.
Thank you for your assistance.
Within a month or so, the initial decision was reversed, and we were into speech therapy with an awesome pediatric speech therapist. Teddy has benefited so much from this therapy, and we were so happy to get it approved for him. (Unfortunately, at the time I'm writing this post, we're waiting yet again for re authorization of speech therapy.)
That wasn't the only appeal we had to write. He was denied for genetic testing to test a specific gene related to seizures. As much as the speech therapy denial upset me, I was livid with this one because he had two seizures within two days of receiving the denial. Once again, I tried to appeal with reason instead of emotion, and this was the appeal:
Dear Sir or Madam:
My son, Theodore Blondheim, is a 16-month-old boy who is currently diagnosed
with febrile seizures by his pediatric neurologist. However, Theodore’s
seizures do not follow the typical pattern of febrile seizures, which is why
Theodore was referred for genetic testing and consultation. Theodore has had five
separate seizure episodes, two of which involved multiple seizures, with the
most recent episode occurring November 16, 2014. According to the National
Institute of Neurological Disorders and Stroke, “The majority of children with
febrile seizures have rectal temperatures greater than 102 degrees Fahrenheit.”
In only one instance did Theodore’s temperature exceed 102 degrees Fahrenheit,
and in two instances his temperature was below 100 degrees Fahrenheit.
Humana denied a request for SCN1A sequencing genetic testing November
14, 2014. The denial was issued because this testing was deemed a non-medically
necessary service. The specific reason cited in the phone call I received
November 14, 2014 was the results of this SCN1A sequencing genetic testing
would not alter the treatment or care of Theodore’s condition.
Theodore’s geneticist, Dr.
Gunter Scharer, indicated the SCN1A sequencing genetic testing could alter the
course of Theodore’s treatment, specifically providing a list of potential
medications to avoid to prevent significant negative reactions. This is
supported by the National Center for Biotechnology Information (NCBI), which
states individuals with SCN1A-related seizure disorders should avoid “AEDs:
carbamazepine, lamotrigine, and vigabatrin, which can induce or increase
myoclonic seizures; phenytoin, which can induce choreoathetosis.”
Additionally, the NCBI states, “Use of the ketogenic diet to decrease
seizure frequency has been beneficial in some affected individuals.” This means
the results of this SCN1A sequencing genetic testing could, in fact, result in
a course of treatment that is among the least expensive and least invasive
accepted by the medical community.
It is apparent Theodore’s seizures are still a significant medical
concern given that he unfortunately had another seizure two days after Humana
issued the denial regarding this request. Since the results of the SCN1A
sequencing genetic testing could significantly alter the course of Theodore’s
medical care; AND alternative laboratory or clinical tests to definitively
diagnosis the genetic disorder are unavailable; AND the SCN1A sequencing
genetic testing is a clinically valid test, based on published peer-reviewed
medical literature; AND Theodore has not previously received this genetic
testing; AND the testing panel is for a specific gene deemed medically
necessary to establish a diagnosis, we are asking for approval of this specific
test.
Thank you for your assistance.
Again, thankfully, we were successful with the appeal. Although we didn't learn a diagnosis from this particular genetic test, we were then able to move onto the next level of testing. That next level of genetic exome sequencing was the test that gave us a diagnosis after nearly 2 years of searching.
I wanted to share these appeal for two reasons:
- First and foremost, don't give up hope if you receive a denial for services. Don't let an insurance company decide what is best for your child or loved one. Get mad, but then do something about it. There are processes within every insurance company to appeal. And there are, at least in Wisconsin, processes to appeal the insurance company's decision if their internal process doesn't yield a favorable result.
- By no means am I an
expert after writing two appeals, but I'm more than happy to help others
with this if they cannot find the support they need from their
treatment team. I wanted to share the specific language I used to give others an idea of what worked for us and the general format we used. I would give credit to the original place online where I found an appeal to model ours after, but I don't recall what it is.