Insurance Issues with RSD

Reflex Sympathetic Dystrophy Syndrome (RSD) is a debilitating disease. It consists of chronic pain for which there is currently no cure. Victims of RSD are often diagnosed with the disease following an injury such as a head injury, sprain, fracture, broken bone, heart attack, stroke, etc. The disease may also originate following a surgery. For many, there is no precursor to the onset of RSD.

Though millions of people are estimated to be affected by RSD, the disease is still relatively unknown among the medical community and general population. This means that insurance companies are also relatively unaware of the disease. And for sufferers of RSD, this can mean a painful and lengthy battle.

In RSD cases, insurance issues are prevalent. Because the disease is not diagnosed in the same way for all patients and because the symptoms and degrees of pain vary among sufferers, insurance issues arise all too often, leaving victims struggling for their basic medical needs to be met.

Insurance issues that may arise include whether or not your insurance company will provide benefits. And if they do provide you with benefits, the guidelines for what those benefits may or may not be can get complicated quickly. If you're seeking alternative treatments for your disease, the battle may get even more difficult. You'll likely have to prove the benefit for the service to your insurance carrier and await an answer.

There are very few things that are simple regarding Reflex Sympathetic Dystrophy. Because a variety of treatments are often needed to treat the symptoms of the disease, multiple insurance billings occur. If a patient's insurance claims are denied, he or she may experience greater pain and setbacks in their pain management program.

Because of this, it is vital that you find a qualified attorney to represent you and your case. Reflex Sympathetic Dystrophy cases are difficult. A qualified attorney who is familiar with RSD and who has handled cases such as yours, can assist you in reclaiming your rights and can help you get the help you deserve. An attorney will help you deal with your insurance company and give you the answers you deserve. However, you need to act quickly, as there is only a certain amount of time available to file a claim.

A person with a chronic disease who does not have insurance is the equivalent of a boat sinking with no rescue in sight. Unless you are independently wealthy, having insurance is imperative to get the treatment you need for your ongoing disease.

People with RSD (Reflex Sympathetic Dystrophy), have a progressive neurological disease that must be treated in its earliest stages for treatment to be fully effective. However, before patients can receive the treatment they need, their insurance company must approve all procedures. If the patient obtained an at-work injury that lead to the onset of RSD, worker's compensation insurance will (hopefully) cover the claims. If there was no injury, or if the injury was obtained at home or away from the patient's place of employment, he or she must rely on personal insurance to cover the claims.

Insurance Disputes and RSD

Insurance disputes are sadly common with any medical claim. After all, insurance companies aren't eager to shell out unnecessary funds to provide unneeded services for bogus or exaggerated claims. In cases of RSD, problems arise because the disease, though common (millions of people currently suffer from the disease) is still relatively unknown. Also, symptoms and severity of the disease vary among individuals, making an insurance company's task of weeding out valid vs. invalid claims more difficult.

Insurance disputes don't have to stop patients from getting the care they need. With a few simple steps, patients can help ensure they continue to get the necessary treatment for their RSD disease.

First, insurance companies are likely to raise an eyebrow if patients have seen multiple doctors. Though it is necessary to find a qualified doctor, many patients will see many physicians because they are unsure of whom to trust for a proper diagnosis and care regimen. The best advice to avoid insurance disputes is to do the proper research before seeing a doctor. Then, choose a physician who is qualified to handle RSD cases and stick with him or her.

For patients who have filed worker's compensation claims, it is important to realize that these companies are likely going to conduct video surveillance on filers. Many fraudulent claims are made each year, so patients need to be aware of their actions while out in public. Something done innocently on a "good" day where a patient is experiencing less pain may be interpreted wrongly by an investigator, causing an insurance company to drop the claim.

For maximum insurance benefits, seek a qualified attorney to represent you with your RSD case and your battle with your insurance company. Let someone else handle the loopholes for you. After all, you've got enough to deal with, and an experienced attorney will be able to help you through this complicated and stressful process.

RSD and Insurance Companies

Dealing with a disease like Reflex Sympathetic Dystrophy (RSD) is difficult enough. Dealing with insurance companies on top of everything else can be downright excruciating.

Once a diagnosis of Reflex Sympathetic Dystrophy is made, insurance companies are billed almost immediately to request initial treatment options for the disease. Because many cases of RSD occur following an injury of some sort (ex. sprain, bone breakage, fracture, repetitive movement disorder such as carpal tunnel, etc.), worker's compensation insurance covers many RSD claims. This can be a challenge both for the patient and the insurance company.

Insurance companies receive hundreds of fraudulent claims every year, so distinguishing the valid claims from the bogus claims is difficult. Because of this, these companies often employ private investigators to perform surveillance on those filing worker's compensation claims. Insurance companies may also deny or stall treatment until proper proof of necessity can be determined.

For RSD patients, this can be frustrating. If you've been diagnosed with RSD and are battling RSD and insurance companies at the same time, it's best to find a qualified attorney who can help you with your case and give you the knowledge you need to get the treatment you deserve.

RSD patients whose claims are made through private insurance companies also face potential problems. Because knowledge of RSD is still not widespread, patients often have a difficult time proving the need for services. It is therefore imperative to choose a qualified physician to make appropriate medical recommendations for your treatment, and to obtain a reputable attorney to handle the legal ins and outs of your case.

RSD and insurance companies may go hand in hand, but unfortunately, the process is rarely a simple one. Many insurance claims are denied each year simply because the patient did not have the knowledge and support necessary to gain access to treatment. As a patient, you need to know the facts, be familiar with your rights, and enlist the help of qualified individuals to help you get the most out of your available treatment options. Help is available - contact an experienced attorney today.

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Resource4 information on Insurance Issues related with RSD. Page updated on 11/07/2006.