How Can My Insurance Company do this!!?!!?

Question

Ok I have paid every single bill on time since I've had the policy. I've had the policy for years. And about 2 months ago I was placed on Wellbutrin by my doctor and my Insurance Company canceled my policy because of that! This is just so wrong! I mean half of America is on Antidepressants does that mean that don't deserve health insurance. It's not like I'm suicidal I am just going through a lot of stress right now and needed a little relief! Fortunately I found a way with the help of my insurance salesman that I could get another policy. But now I have a doctor bill that's over 600dollars that has to be paid by me that should have been paid my insurance company because I was insured at that time. I am writing my state's Insurance Commissioner, is there anything else I can do?

Answer 1

I'm an insurance clerk and I've never heard of this.  I have heard of insurance companies requiring you to do "step therapy' Which means if the drug the doctors want you to take isn't a generic drug the companies require you to start out on a generic and THEN if that doesn't work you can go to the brand name drug.  Ask your insurance company to show you in their manual where it stated your insurance would be cancelled

Answer 2

Something in this story just isn't right, and I feel you're being truthful, so you are probably leaving out something that you don't know is important.  When your doctor prescribed Welbutrin did he diagnose depression?  If so, did he state the duration of the depression so that it might have looked to the insurance company that you'd had it for some time?  Find the specific wording of the denial letter your insurance company sent you and check with the doctor if you need to to see what he said to them.  Also, not clear what the $600 bill was for if all your doctor did was to prescribe Welbutrin.

Answer 3

Your insurance company cancelled your policy, because of a new prescription your doctor wrote?  They put that in writing?  Because that's not going to stick, you can complain to your state insurance commissioner.

However, if you've ever been treated for depression before, and you lied on the application, they CAN cancel you for that.