Our consultation at the Children's Hospital of Philadelphia (CHOP) has been scheduled for over a week now. We are discovering however that it's not always as easy as just making an appointment. We now have to deal with insurance and provider networks and specialists.
I have heard stories of people being denied transplants and other life saving procedures because insurance would not approve it. Somehow it doesn't seem like it could happen to you though. You assume that after paying hundreds of dollars in premiums every month the benefits will be there when you need them.
According to the billing coordinator at CHOP our visit will most likely be approved, but not without jumping through a few extra hoops first. We also may not receive that approval until a day or two before. Nothing like waiting until the last minute!
