Skip to main content

'An Arm and a Leg': Need Surgery to Save Your Life? Tips for Getting Insurance to Pay

Analysis  |  By KFF Health News  
   November 02, 2021

Laurie Todd calls herself the "Insurance Warrior." She helps people get their health insurance companies to pay for treatment and has written books sharing her knowledge.

This podcast was published on Tuesday, November 2, 2021 in Kaiser Health News. Click here to listen.

By Dan Weissmann  

Healthcare — and how much it costs — is scary. But you're not alone with this stuff, and knowledge is power. "An Arm and a Leg" is a podcast about these issues, and its second season is co-produced by KHN.

Laurie Todd calls herself the "Insurance Warrior." She helps people get their health insurance companies to pay for treatment and has written books sharing her knowledge.

Hers is a wealth of knowledge that was hard-won. In 2005, Todd was diagnosed with a rare form of cancer. Although she found a doctor who could treat it, her health insurance said it wouldn't be covered. But Todd didn't accept that refusal and got her insurance company to pay for a lifesaving surgery.

Over the next 15 years, Todd honed her insurance-slaying powers. She has fought — and won — more than 200 insurance appeals on behalf of patients, she said.

Listen to the episode to hear some of her time-tested strategies.

Here's a transcript of the episode.

"An Arm and a Leg" is a co-production of KHN and Public Road Productions.

To keep in touch with "An Arm and a Leg," subscribe to the newsletter. You can also follow the show on Facebook and Twitter. And if you've got stories to tell about the healthcare system, the producers would love to hear from you.

To hear all KHN podcasts, click here.

And subscribe to "An Arm and a Leg" on Spotify, Apple Podcasts, StitcherPocket Casts, or wherever you listen to podcasts.

KFF Health News is a national health policy news service that is part of the nonpartisan Henry J. Kaiser Family Foundation.


KEY TAKEAWAYS

In 2005, Laurie Todd was diagnosed with a rare form of cancer. Although she found a doctor who could treat it, her health insurance said it wouldn't be covered.

But Todd didn't accept that refusal and got her insurance company to pay for a lifesaving surgery.

Over the next 15 years, Todd honed her insurance-slaying powers. She has fought — and won — more than 200 insurance appeals on behalf of patients.


Get the latest on healthcare leadership in your inbox.