Health Insurance / Forced to stay in hospital now insurance won't pay!
In the early morning of March 12th of 2005 I tried to take my own life. In a drunken hopelessness I took as many of my newly refilled prescriptions of Welbutrin, Stattera, and Zoloft as I could fit into my stomach. I started to get sick and not wanting to lay there in now physical pain too, I called 911.
I was admitted to the hospital and not long after the pills that I took started making me have seizures. The combination of those pills and the alcohol gave the doctors the impression that I might be permanently brain damaged after reviewing the CAT scans.
I don't remember anything although I was conscious and verbally communicating until the following Thursday, nearly a full week. I would remain in the hospital until Saturday waiting to get admitted into a behavior health facility to stabilize me mentally. During my hospital stay I was tied down to help protect myself from the seizures until those subsided and had 24 hour surveillance by a sitter. I was not allowed to leave my hospital room until they found a behavioral health facility to have a bed available. This took two days.
After spending four days in Banner Behavioral Health I was released. I completed the intense outpatient program and have not touched alcohol since.
Not long ago I received a bill from the hospital for $5,360. This amount is for the two days I spent waiting to find a behavior health facility to accept me. The hospital appealed both the Cigna Medical and Cigna Behavioral to have them pay the balance. Neither will accept responsibility stating it was not medically necessary or that I was not receiving mental health care at the time.
The hospital states that this does happen from time-to-time and usually the patient ends up paying. This is not right. I have insurance. I was not allowed to leave even if I wanted to. Now I have to pay!
I did put myself into the hospital, but I did everything that I was supposed to do since and have never touched alcohol again. I am fighting this because I don't think it is right that I have to pay when I am insured and when I needed to use it the most.
I need help. I need advice. I need to get through to these insurance companies that this is not right.
Phoenix, Arizona 85016