PLEASE READ THIS.

 Because what happened to our family could happen to yours.

Three years ago, my son Jacob’s physical therapy was approved and paid for after his catastrophic injuries. We trusted the insurance approvals, focused on his recovery, and moved forward believing everything had been properly covered.

Then recently, I received a call from a collection agency saying we owed $11,500 to University of Louisville Health from therapy services back in 2022.

I contacted the hospital and was told the insurance company performed an audit in 2025 and retroactively denied the claim. Three years later!!

I am currently advocating for my son with the insurance company and trying to fight this issue, but because the claim was denied years later, I have essentially been left without a way to appeal.

I was initially told Jacob had “exhausted” his therapy visits for that year. I explained that we have documentation confirming he had unlimited physical therapy coverage related to his injuries. 

But here’s the bigger issue: what happens to families who don’t still have every letter and document saved years later? What happens when people can no longer even access old EOBs because the claims are too old? What happens to providers who treated patients in good faith based on approved and paid claims?

Doctors and hospitals have strict deadlines to submit claims. Families have strict deadlines to pay bills. Insurance companies should also have strict deadlines to complete audits and deny claims — not years later! 

That’s why I’m asking people to sign and share my petition calling for fair timelines on retroactive audits and claim denials, and to ensure families have timely notice and the ability to appeal decisions before being blindsided by collections years later.

If you believe approved care should stay approved, please sign and share. The more attention this gets, the harder it becomes to ignore.

Approved, paid… then denied 3 years later? That should never happen.