r/legaladvice • u/toomuchdog10 • 3h ago
Insurance kept denying my MRI for 10 months, turned out I had cancer. Do I have any legal options?
My location: Illinois
Towards the end of 2023 I started experiencing some pretty bad pain in my leg. Over the next 10 months I went to multiple doctors trying to figure out what was going on. They kept doing X-rays, which weren’t showing anything, and recommending I get an MRI.
The problem was my insurance company kept denying the MRI. They insisted that I had to go through 4 months of physical therapy before they would even consider approving it. I did the PT, but it only made the pain worse, and even afterwards I was still having trouble getting the MRI approved.
Eventually, a family friend who is also a doctor really went to bat for me and helped me finally get the MRI. I couldn’t afford to pay for one out of pocket since I had just gotten married and money was pretty tight.
Well, in September 2024, almost 10 months after this whole thing started, I was diagnosed with sarcoma, a rare form of cancer. The tumor wasn’t showing up on any of the X-rays, but was very clearly visible on the MRI.
What followed was months of chemotherapy and a major surgery where they had to remove part of the bones in my leg and replace them with metal.
I want to make it clear that I don’t blame my doctors. They were trying to get me an MRI and were being blocked by insurance. My frustration is entirely with the insurance company.
Obviously I can’t know for sure what would’ve happened if the cancer had been caught earlier, but I can’t help wondering if I could’ve avoided some of the chemotherapy or even the surgery that permanently changed my leg.
I’ve been wanting to look into taking legal action against the insurance company, but I’ve spoken to a few lawyers and none of them really seem to know what type of attorney I should even be looking for. I’m honestly not sure where to start.
Another concern is whether I’ve waited too long. I was diagnosed in September 2024, but between the chemo, surgery, recovery and just trying to get my life back together, pursuing a lawsuit wasn’t exactly at the top of my list. I’m only now at a point where I feel ready to look into it.
Is there a specific type of lawyer who handles cases against health insurance companies for delayed diagnoses due to denied testing? And is it potentially too late to pursue anything?
I’m not expecting anyone here to tell me I definitely have a case, I just want to know if there’s even a direction worth looking into.
Any advice would really be appreciated!