Transplant Patient Worried About Insurance Rule

A California man came to Nebraska to wait for a liver transplant. But his insurance carrier warned that he is staying to long and faces policy cancellation. After questions from Fact Finders the company reconsidered.

Gilbert Zabala said, "So many people in California are waiting for livers and some die." Zabala is near the top of the listed for a transplant at the Nebraska Medical Center. However United Health Care sent him a cancellation letter effective April First. The reasons include a requirement that the primary resident be in California and he can't be absent from there for 90 consecutive days.

Gilbert and his wife booked flights to return to Northern California this weekend but if a liver becomes available he would have to be back in Nebraska within six hours. Only a private jet costing about $22,000 would work.Cynthia Zabala said, "We're fighting for his life, we shouldn't have to fight insurance too."

The Nebraska Medical Center appealed to the California Division of Health Management and Fact Finders contacted United Health Care.

A company spokesperson sent a statement, "Based on further review, Mr Zabala's coverage was not set to terminate and his coverage will remain. We apologize to the Zabala family for any confusion and are pleased the issues has been brought to a resolution. In a letter to the Zabalas, United Health Care said the letter of cancellation was created and sent in error.

Cynthia said, "Its really good news. We're good to stay here and my husband's life will be saved here. " Gilbert said, "I have hope again"

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