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Hi y'all! And a serious question.

Hey girl hey.  I'm around, I pretty much just lurk nowadays.  Life and all that jazz. 

Okay.  Serious question.  When would you seek a second opinion/press the issue? I am trying to get life insurance.  USAA did their whole thing, and sent me a letter saying that because some liver enzymes are elevated in the blood test they administered, they will not insure me.  Which was a shock considering I'm 27 and feel totally fine.  So, I tell my doctor, she orders a follow up.  I just got the results and a note from her that the follow-up was minimally elevated and very nonspecific.  No need for follow up investigation into the etiology of the results.  Which actually isn't true when I see the results.  They are basically the same.  I speak with the underwriter at USAA and give her the results.  She says "Your results are not minimally elevated.  One is 8 TIMES above normal.  I cannot and will not insure you until it stabilizes.  And frankly your doctor is ridiculous if she thinks its NBD."   

My question is.  WWMND?  I really, really don't want to be that crazy hypocondriac *** of a patient.  I really love my doctor.  I have never had any concerns about her until now.  What does MN say?  Press the issue with the doctor?

 

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Re: Hi y'all! And a serious question.

  • I'd take it up with the doctor again, and explain that for whatever reason, the insurance company refuses to insure you over it, so you'd like a longer conversation about it.
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  • I would get another opinion. The way I see it is either USAA is wrong or your doctor is. The best way to figure it out is to get another opinion if USAA is wrong you can show them 2 doctors said you were fine and ask them to re-do the test, if they are right then you probably need medical care which your current doctor does not think you need.
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  • I don't trust insurance companies for a second.  I'd go see another doctor just to be sure.
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    I'll add another vote for getting a second opinion. Someone in this has no idea what they're talking about, and I'd want to involve a neutral third party if only for my own peace of mind.
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  • Do you know which enzyme is elevated? It could be related to anything from liver problems (which is more unlikely unless you indulge in alcohol a little too often) to diabetes, gallstones, medications taken, or herbal supplements. While it can indicate some serious medical issues, it can also mean almost nothing. To deny life insurance without further proof of something like a tumor or cirrhosis is complete BS. AST/ALT can be elevated for sooo many reasons. Go see another doctor for a second opinion and to run anymore necessary tests. If that doctor then clears you then go tell the insurance company that they're idiots.
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  • Another vote for a second opinion. I had elevated liver enzymes during my gallbladder issues so it's definitely something to get checked.

    I hope it's nothing S.

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  • Do you know your numbers?  You can look online for the average ranges.  If you don't know, you should be able to get a printout.  In every place I've either had or looked at someone else's bloodwork, the computer will give the range of normal as well as your own number.  In some places, it's merely bold if it's out of range.  Others will have a way of differentiating a critically high or low value.

    There are actually quite a few things that can cause as temporarily high reading, but they shouldn't make you uninsureable.  Maybe that's what your doc saw, that you had other normal tests in the past?  Also, the degree of abnormal doesn't matter that much.  It's not like a number that doubles means you have twice the damage.  It's not a linear correlation like that.  Also, there's such a wide range of normal, it's possible USAA is saying it's 8 times the lower limit, but that only pushes it a tiny bit above the upper limit.  I wouldn't think that would be the explanation for their different responses, but I guess it's possible. 

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  • Thanks so much for your advice girls.  I deal with clients on a daily basis who are horror stories in terms of being patients.  As in, like calling their doctors on Sunday afternoons at their homes, or showing up at their home on the 4th of July.  Now I'm all paranoid about being assertive because I just keep picturing these clients in my head and it makes me shudder to think of being like them.

    The issue USAA has is because my Alkaline Phosphatase is 177 and my GGT is 412.  It is beyond freaking frustrating.   

    So since I feel better that I'm not being cray cray, I did go ahead and call my doctor back and spoke with her and her RN.  I have been scheduled for both a liver and gallbladder ultrasound first thing Monday morning.  I just want this noise squared away.  Hopefully with those, I can get USAA to get their act together.

     

     


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