Hemangioma – Insurance

Vascular birthmarks in general are considered vascular tumors. These are, by definition, tumors. They have to be covered by insurance. Most insurance companies try to fight this, but it’s completely illegal. It has been shown to be illegal and if anybody denies treatment of a vascular tumor, you can actually get a lawyer very easily to send them a letter and the lawyer will quickly come back with an answer that “yes, you can treat this vascular tumor.” This applies to Hemangiomas, this applies to vascular birthmarks like capillary malformations, venous malformations, lymphatic malformations, and arterial venous malformations. Other birthmarks that occur in the skin can turn into cancers. These have to be excised as well. It is illegal for any insurance company not to cover this. The problem that I’ve had more recently was that insurance companies, when we were converting over to Obamacare, the quickest, easiest way I got them to cover it was to tell them “Well, if you don’t cover it, I’m going to go to the news and I’m telling them that you are involved in illegal activity.” Instead of coming back with a doctor to tell me (which is usually what they do as a peer to peer review), they came back with the manager of that particular insurance company who said “we would happy to cover your child wherever you need” and immediately they covered it at the hospital I wanted it to be covered at. It does not matter in general, if you have a child (and this is the situation that we had) – no hospital in the area accepted that insurance. It does not matter because it’s a vascular tumor (a medical necessity) the insurance company does have to pay for the vascular tumor to be treated, especially in the area that the child is in or in a reasonable distance.