[My HMO refused to cover chiropractic treatment, but I am appealing. I am posting a draft of my letter here, in part because a major reason I blog is to get the goofy out of my system, but also because the cites may be useful to someone else who is pregnant, in pain, and dealing with a similarly recalcitrant insurer.]
I am writing to appeal your denial of coverage for chiropractic care to
treat an injury sustained on 11/9/08. Your letter states that you
cover chiropractic treatment involving manipulation of the spine when a
significant improvement can be expected from this treatment. Your own
guidelines, then, indicate clearly that I should be reimbursed for
chiropractic care.
I was referred by Dr. Sarah Swipich (=She Who Is Persuaded I'll Catastrophically Hemorrhage) for chiropractic treatment to
address symphysis pubis dysfunction (SPD, alternatively known as
Serious Pain in the Down-theres). According to Jain, Eedarapalli,
Jamjute, and Sawdy (2006), SPD is the result of spinopelvic instability
(do note the "spino-") caused by pregnancy-related hormonal changes.
Treatment primarily involves manipulation of the sacrum, which is, as you well
know, part of the spine. (I refer you to a little-known verse of "Dem
Bones": "the S-spine's connected to the... L-spine, L-spine's connected
to the...T-spine.") Peer-reviewed research has described excellent
efficacy for treatment of SPD via spinal manipulation, with 100% of treated
patients in one study reporting improvement
(Andrews & Pedersen, 2003). More specifically, 25% reported full
recovery, 62.5% reported moderate recovery, and every patient -- every last one -- reported
a decrease in pain. An article in the Journal of Osteopathic Medicine
also recommends spinal manipulation as a safe and effective treatment
for SPD (Cassidy & Jones, 2002).
Let me sum up. Etiology of the problem: spinopelvic, emphasis on
the spinal. Treatment of the problem: spinal manipulation. Likelihood
of improvement with appropriate treatment: extraordinarily high.
Criteria met for coverage under my plan: 3/3.
If you elect, through doublethink or pure bureaucratic
bullheadedness, to deny this appeal, I must insist that you recommend
an alternative treatment modality that would be covered. (I presume you
are not in the business of telling patients suffering from
incapacitating pain that they should just suck it up.) In more than a
week of resting, icing, and taking Tylenol I noticed very little change
in the pain, though I noticed an alarming augmentation of the piles of
dirty laundry awaiting my attention. Should I take narcotics at 8
months pregnant? Should I stay on the couch with my ice pack, awaiting
a miraculous healing and perhaps the miraculous ministrations of the
Laundry Fairy? Should I plan a C-section if I cannot stand to keep my
knees more than eight inches apart? Surely you could not in good faith
suggest one of those as an alternative.
After you denied coverage I paid out of pocket to see Dr. Susan Swioug (=She Who Is Owed Undying Gratitude), who informs me that I have sacroiliac dysfunction and lumbar subluxations. Her manipulations of my lower spine were followed by the
first real improvement I had seen in this pain in more than a week.
This was accomplished quickly, comfortably, and non-invasively, with
none of the risks of, say, narcotics. I came home and did battle with the
laundry. (It's still winning, though. I will require further treatment before I can entirely vanquish the armies of dirty socks marshaled during my spell of couchbound convalescence.)
I expect to be reimbursed promptly for my visits to Dr. Swioug,
since spinal manipulation for treatment of spinal problems is a covered
benefit. If you have an alternative point of view, I will read it with
the keenest interest -- as will, I am certain, the good people in the
state regulatory office. Please reply at your earliest convenience.
Yours optimistically,
CJ Most-Gladly
Andrews, S., & Pedersen, P.
(2003). A study into the effectiveness of chiropractic treatment for
pre and postpartum women with symphysis pubis dysfunction. European
Journal of Chiropractice, 48, 77–95.
Cassidy, I.T., & Jones, C.G. (2002). A retrospective case
report of symphysis pubis dysfunction in a pregnant woman. Journal of
Osteopathic Medicine, 5(2), 83-86.
Jain, S., Eedarapalli, P., Jamjute, P., and Sawdy, R. (2006). Symphysis pubis dysfunction: a practical approach to management. The Obstetrician and Gynaecologist, 8(3), 153-158.
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