Накалякала им в придачу такое письмо. Стоит посылать?Dear Sir or Madam,I am writing in response to your letter I have received last week. One of my recent claims has been declined,apparently on the grounds of “pre-existing” condition. This is complete nonsense. Please consider the followinginformation:I have had a continuous medical insurance coverage for many years, including the last several years thatI have been living in the US. Starting from early ****, I was covered by ***, through the Blue Cross Blue Shield.*** (explanation when the current insurance coverage started)Therefore, the “pre-existing condition” issue does not apply here. My previous insurance plan was even moregenerous than my current health insurance coverage and had I sought to save money, I would have had mymedical tests in question performed before I change my insurance providers.I consider myself a healthy person. I exercise regularly and have no chronic illnesses or long-term concerns. Idon’t smoke or drink alcohol. I take my health very seriously and visit doctors regularly. If any concerns arise, I immediately share them with my doctor.In November 2010 I started noticing changes in my breasts and I decided to have it checked by my doctor.The doctor suggested that further investigation may be needed and gave me a referral for a mammogramand breast ultrasound. The changes in my breasts seemed to depend on the menstrual cycle so I decided towait for the time when the symptoms are more acute. In December and January I also started experiencingoccasional abdominal pain. I shared my concerns with Dr. *** who ran some regular tests (it was alsotime for my yearly physical examination) and gave me a referral for pelvic ultrasound. It was suggested thatI do that first and wait with my referral for breast ultrasound until that payment issue is resolved as I was not sure how the payment for this procedure is covered.The procedure in dispute (pelvic ultrasound) was performed in late January, which is about half a year after my health insurance coverage commenced. The test was performed in response to concerns that arosein late 2010 and revealed no major issues. The test was performed following a recommendation and a referralfrom my doctor in January of 2011.Therefore, I consider any issues with the coverage of the cost of the test unsubstantiated, outrageous andpersonally insulting. I am very surprised and disappointed that instead of supporting my doctor’s focus on early detection and prevention through regular health checks, my insurance company delays my diagnostics.Such approach may lead to complications in the future and much higher cost for both me and the insurancecompany.I hope the issue will be given proper consideration and resolved shortly.I attach all supporting documentation. Should you have any questions, please contact me.Most sincerely,***