After switching to Cigna PPO in California, which states that Chiropractic is covered, and which my previous insurer Blue Cross Blue Shield of Massachusetts always reimbursed me for in full, I have been denied over $10,000 in claims. I am NOT a person who sees doctors except in case of injury or rare circumstance. In fact, I have not had a physical in probably 10 years. And I would not be going to the Chiropractor except for medically necessary treatment, especially as it is an hour’s drive from my work or home to his office. OVer the past three years, ASH and Cigna have denied my claims, no matter whether if I have severely disclocated my elbow and torn all the ligaments inside >50%, fell spine-first onto a metal railing while snowboarding, ruptured a disc in my back, torn my MCL, tore the labrum in my shoulder, or any other injury. I have been able to heal faster and better than most people my age (40’s) with the help of my Doctor of Chiropractic, and yet I have had to pay for 99% of these (they approved the first claim, but not any subsequents, even with new injuries/accidents). I have lost count, but I am well over $10,000 in money I’ve spent out of pocket without any reimbursement. I even tried to switch insurance companies to Blue Cross of California last year, only to find in the fine print that they have also started in 2014 to employ ASH to deny chiropractic claims. These are the only PPO plans my employer provides so I am stuck with having to pay for all my chiropractic care myself. There is a class action lawsuit against ASH and Cigna which the American Chiropractic Association is appealing the first dismissal of, on procedural grounds, not on the substance of the claims made by the ACA against them. Who do you think has more money to hire expensive lawyers? Cigna & ASH, or an association of Chiropractors, most of whom operate modest individual practices? This practice of denying treatment to injured patients needs to stop. It’s absolutely unethical, and un-American! These companies need to pay for what they’ve done to all the patients out there who have either shouldered the financial burden themselves, OR even worse, had to forego care because of these self-serving practices of Cigna and ASH. If anyone has more information about this, please post it here for everyone to see. The more we expose this practice, the sooner we can set things right. .
This complaint and/or review was posted on HolySmoke.org on 15:49 pm, June 04, 2018 (CST) and is a permanent record located at: https://www.holysmoke.org/scam/american-specialty-health-inc-review/.
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