Health Insurance Sucks!

Did you read my last post about my imminent kidney surgery? If not you can read it here: it explains what’s been happening so far.

Basically my left kidney has dropped and isn’t working as well as it should and I have what is called Nephroptosis or Floating Kidney. When I’m laying down in bed it floats back up to it’s ‘normal’ position, but as much as I would love to spend all day in bed, I do like to have some kind of life. Some of the symptoms I have to deal with on a daily basis include diarrhea from my kidney leaning on my pelvis and bowel, severe waves of pain, constant kidney pain, light headedness, pulsations in my kidney, bladder pain from kinks and twists in the slack arteries, constant UTI’s. I’m not going to go on an on you get the picture.

Below is the image of my actual kidneys the picture on the left was taken when I was horizontal, the right was taken upright. You can see how my left kidney drops significantly on the right.

I started paying health insurance in July last year and I was diagnosed with Nephroptosis in October. My insurance claimed they would cover hospitalization and operations after 6 months, so in February (this month) I went to see my Kidney specialist and said let’s do this. I’m sick of taking pain medicine, anti-diarrhea tablets and walking round like a 90 yr old, when in fact I’m in my early 30’s don’t smoke or drink and not extremely overweight.

The Dr printed out the papers and told me to just confirm with the insurance company. Expecting an easy ‘yes’ let’s sort out the papers, you can imagine my devastation when they turned round and said no, you are not eligible for this surgery. They are claiming that I knew I had this illness before I took out my insurance which I DID NOT!

The surgery I need called a Nephropexy will be laporascopic and my kidney will be lifted back up into place and stitched in with a special mesh. The Dr wants me to stay in the hospital for 5 days because of the nature of the operation, obviously gravity plays a big part in this and they want me to stay in bed for the first days after having this done, so the kidney can start to naturally attach itself.

The hospital themselves have been fantastic it’s just the insurance company I’m VERY disappointed in – I need to come up with 5,200 euros to pay for my hospital bill before I can have my surgery on Monday 17th not only have I been stressed about having surgery but also worrying about money. (Family have come through and helped us, after the bank refused our application for a small loan, they are all being very supportive – so lucky!) <3 Have you had similar problems with insurance or health care?


  • Wendy Bottrell

    Insurance companies are whores! To say the least. All the best in getting better. Hope you will fight your insurance company!

    • Cuteek

      Too right and the rest! I’ve had a good think about it this afternoon and when I feel well enough I’m going to cause some noise about this. I would hate for anyone else to go through the same thing because of their incompetence.

  • Vicky Mason

    I had a similar issue a few years ago with an insurance company and it did work out in the end after I and my doctor fought them. Not what you want or need right now but it helped with the costs.

    • Cuteek

      I’m glad your situation worked out. When I’m back to fighting fit and not crying at the drop of a hat, I’m going to do something about it. Did you have to go to court? That’s what you have to do here in Spain and I would have to have my Doctor go with me.

  • Trish

    Oh my gosh, I’m so sorry that they won’t pay for the surgery :( Unfortunately for the consumer it’s in the insurance company’s best interest to pay out as little as possible, so some of them will deny things like this hoping you’ll just let it go and not put up a fight. You SHOULD fight it though, since you’re in the right. You pay for insurance and they should uphold their end of the bargain. I hope you get it all worked out!

    • Cuteek

      Thanks, I’ve had so much support on this from my fellow bloggers, I’m going to do something about it. I would hate it to happen to anyone else, the company I used are just syphoning money out of anyone who uses their services.

  • vjmunton

    SO SORRY! You can’t put a price on quality of life, so I pray you’ll get some answers and some relief! Stopping by from #CommentLove #SITSBlogging

    • Cuteek

      It’s true you can’t. So lucky that family have rallied round and now I’m concentrating on getting my operation over and done with so I can get back on my feet and sort this out.

  • Tara Gantz Newman

    I was reading this post and shaking my head yes because I wasn’t surprised. The whole time I am thinking you are in the US then see you mention Euros, I guess this is the way it is everywhere. Sad. Wishing you the best. Stopping by from SITSblogging.

    • Cuteek

      Yes I’m in Spain! I should be covered by the free National Health but because I slip through the net they told me I can’t use it anymore, hence why I started with the private insurance. As a European who has contributed to both UK and Spain I shouldn’t be paying a penny. Thanks for stopping by.

  • Val @ Love My DIY Home

    So sorry for your trouble. I have a smashed kidney (against my tail bone). My dr. thought it was a tumor so when he opened me up he found his mistake. Big abdominal surgery because he didn’t know what he was doing. Ugh. I dislike the medical field. But, I suppose we need them…occasionally. We’ve not had medical insurance for 7 years, so I don’t have much to do with doctors these days. I’m glad you can have your problem taken care of now. Get better!

    • Cuteek

      Owch! That sounds extremely painful! How did that happen or was it something you have always had? I hope that you aren’t suffering from it? I’m lucky that the private dr that is taking care of me and who will be performing my surgery knows what she is doing and has been great about the whole thing. The hospital have been fantastic in general, it’s just the insurance company who need setting straight. Thanks :)

  • Rachel G

    Oh wow–that is so frustrating and awful that they are refusing to pay for the surgery!

    • Cuteek

      It is and I’m so wound up about it, but I need to focus on getting it done now and recovery so I can fight them back.

  • Tammy Doiel

    I am so sorry to hear this! I’ll pray for you as you obviously need this surgery! You’ll have to tweet me or pop over to my fb page to let me know how you are doing. So thankful that your family is helping–family is the best! I’m coming by from #SITSBlogging!

    • Cuteek

      Thanks for stopping by, I intend on checking out all my fellow sits facebook pages/twitters at some point, but I’ll come and leave you a message, I may even instagram a pic lol. Yes, family is number 1 :)

  • Reese

    Wow, I’m sorry that you’re having to deal with this. I hope things get straightened out. I certainly have you in my thoughts!

    • Cuteek

      Thank you, hopefully I can sneak my laptop or some kind of gadget into the hospital so I can do an update, even if it’s just a tweet :)

  • Tamara Willis

    Sorry you area dealing with all of that. I would continue to fight it. Personally I think they say no too often thinking that many will not fight it. In the end you may not win, but you might & it will be worth it. Or even get some of it covered. Get letters from the doctors etc. that should help some. Good luck to you.

    • Cuteek

      Thanks to all my fellow sits bloggers, I’m feeling a bit more confident about doing something about an appeal. Like you say, maybe they will cover part of it, at least that would be something to help against the bills. I will be plotting my revenge from my hospital bed lol.

  • Wilma Jones

    So sorry to read of your illness and the challenges you are facing, I had an insurance problem years ago, but I was able to fight it with my employer’s help. I wish you the best and will be praying for your complete recovery. God bless. Stopping by from the SITS girls comment love.

    • Cuteek

      Thank you for keeping me in your thoughts. Glad to hear you were able to sort your insurance problem out. Hopefully I will be able to post an update/tweet after my surgery on Monday :)