The information on this site is not intended or implied to be a substitute for professional medical advice, diagnosis or treatment. Content within the patient forum is user-generated and has not been reviewed by medical professionals. Other sections of the Melanoma Research Foundation website include information that has been reviewed by medical professionals as appropriate. All medical decisions should be made in consultation with your doctor or other qualified medical professional.

Frustrated with Insurance Companies! Advice?

Forums General Melanoma Community Frustrated with Insurance Companies! Advice?

  • Post
    jennunicorn
    Participant

    Hey everyone, so I got a letter from my insurance company, Blue Shield, that they are denying approval for the Ipi/Nivo combo. Their reasoning is that because I did Ipi and my "disease has worsened" that they will not re-approve the same drug. Then they have the nerve to say "Opdivo is not covered in patients that have recieved treatment with this medication (Ipi) because it works in a similar way to treat cancer"! Excuse me?! I would love to strangle the "physician advisor" that works for Blue Shield right now! Are they complete morons?

    I have already emailed my oncologist's office and will follow up with a phone call tomorrow. I can't imagine this is the first time this has come up. Has anyone dealt with something similar here? It says either myself or my doctor can file a greivance if we don't agree with their decision and they'll have an answer back within 30 days… %@!$ YOU!

    Sorry for the angsty post… just got back from a really nice week away with friends and this was the last thing I wanted to come home to.

Viewing 32 reply threads
  • Replies
      Polymath
      Participant

      Hey Jenn,

      Ugh!  Don't worry too much.  As you know we have the same team treating us, and I've been reassured throughout that they "know what to say", and obviously carry a lot of weight.  This may be yet another reason we all need to be in the care of specialists.  I failed ipi, and keytruda, before being approved for the combo so it definitely can be done.  I'm in the Blue Shield system as well.  Hopefully the combo will deliver and you can kick this bad-boy to the curb.

      Gary

      Polymath
      Participant

      Hey Jenn,

      Ugh!  Don't worry too much.  As you know we have the same team treating us, and I've been reassured throughout that they "know what to say", and obviously carry a lot of weight.  This may be yet another reason we all need to be in the care of specialists.  I failed ipi, and keytruda, before being approved for the combo so it definitely can be done.  I'm in the Blue Shield system as well.  Hopefully the combo will deliver and you can kick this bad-boy to the curb.

      Gary

        jennunicorn
        Participant

        Thank you Gary, it is definitely reassuring coming from you. I am ready to be past this insurance bureaucratic BS and get on with getting this cancer's butt kicked! 

        jennunicorn
        Participant

        Thank you Gary, it is definitely reassuring coming from you. I am ready to be past this insurance bureaucratic BS and get on with getting this cancer's butt kicked! 

        jennunicorn
        Participant

        Thank you Gary, it is definitely reassuring coming from you. I am ready to be past this insurance bureaucratic BS and get on with getting this cancer's butt kicked! 

      Polymath
      Participant

      Hey Jenn,

      Ugh!  Don't worry too much.  As you know we have the same team treating us, and I've been reassured throughout that they "know what to say", and obviously carry a lot of weight.  This may be yet another reason we all need to be in the care of specialists.  I failed ipi, and keytruda, before being approved for the combo so it definitely can be done.  I'm in the Blue Shield system as well.  Hopefully the combo will deliver and you can kick this bad-boy to the curb.

      Gary

      debwray
      Participant

      Hang on in there Jenn.

      They are soooooo wrong an appeal is surely in the bag .. but understand the anxiety that delays and admin bullshit  bring.

      Really good that Gary has given you the lead that it can and has been approved in this system. Know this might sound daft but I might be tempted to say that if you don't get a higher level review fast you will take the campaign to facebook and social media as a 30 day wait is just not acceptable.

      So frustrating for you . Hugs and good wishes

      Deb

      debwray
      Participant

      Hang on in there Jenn.

      They are soooooo wrong an appeal is surely in the bag .. but understand the anxiety that delays and admin bullshit  bring.

      Really good that Gary has given you the lead that it can and has been approved in this system. Know this might sound daft but I might be tempted to say that if you don't get a higher level review fast you will take the campaign to facebook and social media as a 30 day wait is just not acceptable.

      So frustrating for you . Hugs and good wishes

      Deb

        jennunicorn
        Participant

        Thank you Deb, I will definitely not stay quiet if insurance gives my doctor's office the run around and tries to delay longer. Hoping that won't need to happen. 

        Hugs,

        jennunicorn
        Participant

        Thank you Deb, I will definitely not stay quiet if insurance gives my doctor's office the run around and tries to delay longer. Hoping that won't need to happen. 

        Hugs,

        jennunicorn
        Participant

        Thank you Deb, I will definitely not stay quiet if insurance gives my doctor's office the run around and tries to delay longer. Hoping that won't need to happen. 

        Hugs,

      debwray
      Participant

      Hang on in there Jenn.

      They are soooooo wrong an appeal is surely in the bag .. but understand the anxiety that delays and admin bullshit  bring.

      Really good that Gary has given you the lead that it can and has been approved in this system. Know this might sound daft but I might be tempted to say that if you don't get a higher level review fast you will take the campaign to facebook and social media as a 30 day wait is just not acceptable.

      So frustrating for you . Hugs and good wishes

      Deb

      Linny
      Participant

      UGH! Reading things like this really pi$$es me off.  

      I am so sorry you are going through this. This "physician advisor" probably has no clue even what melanoma is and is probably reading from a sheet of paper.

      I recall seeing a Facebook post on this type of situation a while back: 

      1. Call the insurance company and tell them you want to speak with the "HIPAA Compliance/Privacy Officer" (By federal law, they have to have one)
      2. Then ask them for the NAMES and CREDENTIALS of every person accessing your record to make that decision of denial. By law you have a right to that information.
      3. They will almost always reverse the decision very shortly rather than admit that the committee is made of low paid HS graduates, looking at "criteria words," making the medical decision to deny your care. Even in the rare case it is made by medical personnel, it is unlikely it is made by a board certified doctor in that specialty and they DO NOT WANT YOU TO KNOW THIS!
      4. Any refusal [to comply with such a request for documentation] should be reported to the US Office of Civil Rights (OCR.gov) as a HIPAA violation.

       

      I don't know if this holds any water, but it can't hurt to try what it states. 

      Linny
      Participant

      UGH! Reading things like this really pi$$es me off.  

      I am so sorry you are going through this. This "physician advisor" probably has no clue even what melanoma is and is probably reading from a sheet of paper.

      I recall seeing a Facebook post on this type of situation a while back: 

      1. Call the insurance company and tell them you want to speak with the "HIPAA Compliance/Privacy Officer" (By federal law, they have to have one)
      2. Then ask them for the NAMES and CREDENTIALS of every person accessing your record to make that decision of denial. By law you have a right to that information.
      3. They will almost always reverse the decision very shortly rather than admit that the committee is made of low paid HS graduates, looking at "criteria words," making the medical decision to deny your care. Even in the rare case it is made by medical personnel, it is unlikely it is made by a board certified doctor in that specialty and they DO NOT WANT YOU TO KNOW THIS!
      4. Any refusal [to comply with such a request for documentation] should be reported to the US Office of Civil Rights (OCR.gov) as a HIPAA violation.

       

      I don't know if this holds any water, but it can't hurt to try what it states. 

        jennunicorn
        Participant

        Thank you, this is very helpful and entirely aggravating to know the people behind these "decisions" are incredibly underqualified to even comment on the treatment of someone like us. Ugh, what a world we live in!

        jennunicorn
        Participant

        Thank you, this is very helpful and entirely aggravating to know the people behind these "decisions" are incredibly underqualified to even comment on the treatment of someone like us. Ugh, what a world we live in!

        Linny
        Participant

        I got so aggravated I looked up to see what qualifications are required to be a physician advisor there. BC/BS requires a Bachelor's degree for this job. Period. You can have a BA is Liberal Arts and still qualify for the job.  It's a customer service type of position.

        https://www.linkedin.com/jobs/view/150893957

        Linny
        Participant

        I got so aggravated I looked up to see what qualifications are required to be a physician advisor there. BC/BS requires a Bachelor's degree for this job. Period. You can have a BA is Liberal Arts and still qualify for the job.  It's a customer service type of position.

        https://www.linkedin.com/jobs/view/150893957

        jennunicorn
        Participant

        Unbelievable! 

        jennunicorn
        Participant

        Unbelievable! 

        jennunicorn
        Participant

        Unbelievable! 

        Linny
        Participant

        I got so aggravated I looked up to see what qualifications are required to be a physician advisor there. BC/BS requires a Bachelor's degree for this job. Period. You can have a BA is Liberal Arts and still qualify for the job.  It's a customer service type of position.

        https://www.linkedin.com/jobs/view/150893957

        jennunicorn
        Participant

        Thank you, this is very helpful and entirely aggravating to know the people behind these "decisions" are incredibly underqualified to even comment on the treatment of someone like us. Ugh, what a world we live in!

      Linny
      Participant

      UGH! Reading things like this really pi$$es me off.  

      I am so sorry you are going through this. This "physician advisor" probably has no clue even what melanoma is and is probably reading from a sheet of paper.

      I recall seeing a Facebook post on this type of situation a while back: 

      1. Call the insurance company and tell them you want to speak with the "HIPAA Compliance/Privacy Officer" (By federal law, they have to have one)
      2. Then ask them for the NAMES and CREDENTIALS of every person accessing your record to make that decision of denial. By law you have a right to that information.
      3. They will almost always reverse the decision very shortly rather than admit that the committee is made of low paid HS graduates, looking at "criteria words," making the medical decision to deny your care. Even in the rare case it is made by medical personnel, it is unlikely it is made by a board certified doctor in that specialty and they DO NOT WANT YOU TO KNOW THIS!
      4. Any refusal [to comply with such a request for documentation] should be reported to the US Office of Civil Rights (OCR.gov) as a HIPAA violation.

       

      I don't know if this holds any water, but it can't hurt to try what it states. 

      WithinMySkin
      Participant
      UGH I’m SO sorry, Jenn! What a pain in the a$$! I hate to say that Blue Cross is well known as an insurance company that denies claims consistently. They actually auto-deny claims from the company I work for, and after appeal, they tend to approve it. It’s absolute insurance BS and they are hoping you’ll give in and go away.

      Your onc office most DEFINITELY has delt with this before. They’ll know how to appeal and get it approved. So now’s the time to put your helmet on and advocate for yourself LOUDLY and with a little pushing and shoving, you’ll get there!!

      Hang in there, girl! It’s a very stupid hurdle, but you’ll be past it soon!
      Lauren

      WithinMySkin
      Participant
      UGH I’m SO sorry, Jenn! What a pain in the a$$! I hate to say that Blue Cross is well known as an insurance company that denies claims consistently. They actually auto-deny claims from the company I work for, and after appeal, they tend to approve it. It’s absolute insurance BS and they are hoping you’ll give in and go away.

      Your onc office most DEFINITELY has delt with this before. They’ll know how to appeal and get it approved. So now’s the time to put your helmet on and advocate for yourself LOUDLY and with a little pushing and shoving, you’ll get there!!

      Hang in there, girl! It’s a very stupid hurdle, but you’ll be past it soon!
      Lauren

        jennunicorn
        Participant

        Thank you for the encouraging words Lauren!

        (I love that your picture and story popped up on the side of the screen when I clicked reply, haha)

        jennunicorn
        Participant

        Thank you for the encouraging words Lauren!

        (I love that your picture and story popped up on the side of the screen when I clicked reply, haha)

        jennunicorn
        Participant

        Thank you for the encouraging words Lauren!

        (I love that your picture and story popped up on the side of the screen when I clicked reply, haha)

      WithinMySkin
      Participant
      UGH I’m SO sorry, Jenn! What a pain in the a$$! I hate to say that Blue Cross is well known as an insurance company that denies claims consistently. They actually auto-deny claims from the company I work for, and after appeal, they tend to approve it. It’s absolute insurance BS and they are hoping you’ll give in and go away.

      Your onc office most DEFINITELY has delt with this before. They’ll know how to appeal and get it approved. So now’s the time to put your helmet on and advocate for yourself LOUDLY and with a little pushing and shoving, you’ll get there!!

      Hang in there, girl! It’s a very stupid hurdle, but you’ll be past it soon!
      Lauren

      liberty04281
      Participant
      I am sorry to hear it, but your oncologist should appeal on the decision and fight for you to get the treatment approved. They must approve it.
      Good Luck to you! Keep us posted.
      liberty04281
      Participant
      I am sorry to hear it, but your oncologist should appeal on the decision and fight for you to get the treatment approved. They must approve it.
      Good Luck to you! Keep us posted.
        jennunicorn
        Participant

        Thank you, I know my onc will get it sorted out asap.

        jennunicorn
        Participant

        Thank you, I know my onc will get it sorted out asap.

        jennunicorn
        Participant

        Thank you, I know my onc will get it sorted out asap.

      liberty04281
      Participant
      I am sorry to hear it, but your oncologist should appeal on the decision and fight for you to get the treatment approved. They must approve it.
      Good Luck to you! Keep us posted.
      Mark_DC
      Participant

      Sorry for this, we know their position is illogical so i hope your doctor office can fix quickly, am sure will be sorted out

      wishing and praying will be sorted out

      thanks for all your great posts advice and support

      Mark_DC
      Participant

      Sorry for this, we know their position is illogical so i hope your doctor office can fix quickly, am sure will be sorted out

      wishing and praying will be sorted out

      thanks for all your great posts advice and support

      Mark_DC
      Participant

      Sorry for this, we know their position is illogical so i hope your doctor office can fix quickly, am sure will be sorted out

      wishing and praying will be sorted out

      thanks for all your great posts advice and support

      ed williams
      Participant

      When I read the reply from Linny it made me think of the scene from the Movie the Incredibles, where Mr. Incredible helps the little old lady beat the Insurance company. If you need a good laugh, look up the movie and see how similiar it is to your situation. Best wishes!!!Ed

      ed williams
      Participant

      When I read the reply from Linny it made me think of the scene from the Movie the Incredibles, where Mr. Incredible helps the little old lady beat the Insurance company. If you need a good laugh, look up the movie and see how similiar it is to your situation. Best wishes!!!Ed

      ed williams
      Participant

      When I read the reply from Linny it made me think of the scene from the Movie the Incredibles, where Mr. Incredible helps the little old lady beat the Insurance company. If you need a good laugh, look up the movie and see how similiar it is to your situation. Best wishes!!!Ed

        jennunicorn
        Participant

        I remember that part, I will have to watch it again, too funny! Thanks Ed!

        jennunicorn
        Participant

        I remember that part, I will have to watch it again, too funny! Thanks Ed!

        jennunicorn
        Participant

        I remember that part, I will have to watch it again, too funny! Thanks Ed!

      Bubbles
      Participant

      Sorry, Jenny.  Frustrating doesn't even begin to cover it, does it???  In August, BCBS denied my brain MRI because:  "…your MRI of the brain….was only supported once a year for the first 5 years after your skin disease was found."  WHAT?????  Stage IV melanoma patient here – post brain mets!!!  SKIN disease????  Well, damn!  I lived more than 5 years after the diagnosis of my "skin disease"!!!!  Hang in there.  It sucks.  It is wrong.  But, I'm sure your onc can appeal and get your treatment covered.  It took a couple of appeals for my scan..but it finally was covered by the current inhabitants of Isengard!  Don't know how it will go if I live one more year!  Hmmm…  Keep us posted.  Sorry you are having to deal with this on top of everything else!!  c

      Bubbles
      Participant

      Sorry, Jenny.  Frustrating doesn't even begin to cover it, does it???  In August, BCBS denied my brain MRI because:  "…your MRI of the brain….was only supported once a year for the first 5 years after your skin disease was found."  WHAT?????  Stage IV melanoma patient here – post brain mets!!!  SKIN disease????  Well, damn!  I lived more than 5 years after the diagnosis of my "skin disease"!!!!  Hang in there.  It sucks.  It is wrong.  But, I'm sure your onc can appeal and get your treatment covered.  It took a couple of appeals for my scan..but it finally was covered by the current inhabitants of Isengard!  Don't know how it will go if I live one more year!  Hmmm…  Keep us posted.  Sorry you are having to deal with this on top of everything else!!  c

      Bubbles
      Participant

      Sorry, Jenny.  Frustrating doesn't even begin to cover it, does it???  In August, BCBS denied my brain MRI because:  "…your MRI of the brain….was only supported once a year for the first 5 years after your skin disease was found."  WHAT?????  Stage IV melanoma patient here – post brain mets!!!  SKIN disease????  Well, damn!  I lived more than 5 years after the diagnosis of my "skin disease"!!!!  Hang in there.  It sucks.  It is wrong.  But, I'm sure your onc can appeal and get your treatment covered.  It took a couple of appeals for my scan..but it finally was covered by the current inhabitants of Isengard!  Don't know how it will go if I live one more year!  Hmmm…  Keep us posted.  Sorry you are having to deal with this on top of everything else!!  c

        jennunicorn
        Participant

        This is quite the skin disease! JEEZE! I knew I wasn't alone in dealing with frustrating insurance crap!

        Thanks Celeste πŸ™‚

        jennunicorn
        Participant

        This is quite the skin disease! JEEZE! I knew I wasn't alone in dealing with frustrating insurance crap!

        Thanks Celeste πŸ™‚

        jennunicorn
        Participant

        This is quite the skin disease! JEEZE! I knew I wasn't alone in dealing with frustrating insurance crap!

        Thanks Celeste πŸ™‚

      JoshF
      Participant

      What a crock of s$&!!! Just the fact that they're putting you through this stress. Did any of these clowns look at the data? Pisses me off that they send that, lot of nerve. Even if you fail ipi then PD-1 you can have a response to combo. What a bunch of asses. Hopefully your onc' office is on it right away.

      PS- I'm on my 3rd go around with ipi and that's after I clearly didn't respond to the 3 doses I did in July/August and it got approved for 4 doses for the trial I'm in.

      Sorry you have to deal with this, you should be thinking only of whipping this craps a$$ not being aggravated by inept fools "communicating the insurance company script." Praying for great results!!!

      Josh

      JoshF
      Participant

      What a crock of s$&!!! Just the fact that they're putting you through this stress. Did any of these clowns look at the data? Pisses me off that they send that, lot of nerve. Even if you fail ipi then PD-1 you can have a response to combo. What a bunch of asses. Hopefully your onc' office is on it right away.

      PS- I'm on my 3rd go around with ipi and that's after I clearly didn't respond to the 3 doses I did in July/August and it got approved for 4 doses for the trial I'm in.

      Sorry you have to deal with this, you should be thinking only of whipping this craps a$$ not being aggravated by inept fools "communicating the insurance company script." Praying for great results!!!

      Josh

      JoshF
      Participant

      What a crock of s$&!!! Just the fact that they're putting you through this stress. Did any of these clowns look at the data? Pisses me off that they send that, lot of nerve. Even if you fail ipi then PD-1 you can have a response to combo. What a bunch of asses. Hopefully your onc' office is on it right away.

      PS- I'm on my 3rd go around with ipi and that's after I clearly didn't respond to the 3 doses I did in July/August and it got approved for 4 doses for the trial I'm in.

      Sorry you have to deal with this, you should be thinking only of whipping this craps a$$ not being aggravated by inept fools "communicating the insurance company script." Praying for great results!!!

      Josh

        jennunicorn
        Participant

        These insurance people clearly know absolutely nothing. Very frustrating!

        Thanks for the support Josh πŸ™‚

        jennunicorn
        Participant

        These insurance people clearly know absolutely nothing. Very frustrating!

        Thanks for the support Josh πŸ™‚

        jennunicorn
        Participant

        These insurance people clearly know absolutely nothing. Very frustrating!

        Thanks for the support Josh πŸ™‚

      jennunicorn
      Participant

      Update:

      Just got an email back from my onc's office, and they already took care of the moronic denial and got it approved by the end of last week. They'll be scheduling my infusions today! PHEW! Thank goodness for awesome medical staff!!

      jennunicorn
      Participant

      Update:

      Just got an email back from my onc's office, and they already took care of the moronic denial and got it approved by the end of last week. They'll be scheduling my infusions today! PHEW! Thank goodness for awesome medical staff!!

      jennunicorn
      Participant

      Update:

      Just got an email back from my onc's office, and they already took care of the moronic denial and got it approved by the end of last week. They'll be scheduling my infusions today! PHEW! Thank goodness for awesome medical staff!!

        Linny
        Participant

        I am so relieved to hear that this got straightened out. WHEW!

        Now go kick some a$$ and beat this melanoma to a pulp!

        Linny
        Participant

        I am so relieved to hear that this got straightened out. WHEW!

        Now go kick some a$$ and beat this melanoma to a pulp!

        Linny
        Participant

        I am so relieved to hear that this got straightened out. WHEW!

        Now go kick some a$$ and beat this melanoma to a pulp!

        jennunicorn
        Participant

        Thanks Linny!

        jennunicorn
        Participant

        Thanks Linny!

        jennunicorn
        Participant

        Thanks Linny!

        khubes
        Participant

        I wish I could "like" this comment!  Yay Jenn!  πŸ˜€ 

        khubes
        Participant

        I wish I could "like" this comment!  Yay Jenn!  πŸ˜€ 

        khubes
        Participant

        I wish I could "like" this comment!  Yay Jenn!  πŸ˜€ 

        jennunicorn
        Participant

        smileyyes

        jennunicorn
        Participant

        smileyyes

        jennunicorn
        Participant

        smileyyes

        jennunicorn
        Participant

        Ok, apparently the emojis don't work… so, an old school smiley face back πŸ™‚ πŸ˜€ 

        jennunicorn
        Participant

        Ok, apparently the emojis don't work… so, an old school smiley face back πŸ™‚ πŸ˜€ 

        jennunicorn
        Participant

        Ok, apparently the emojis don't work… so, an old school smiley face back πŸ™‚ πŸ˜€ 

        laulamb
        Participant

        Glad it all worked out for you Jenn!!  πŸ™‚

        laulamb
        Participant

        Glad it all worked out for you Jenn!!  πŸ™‚

        laulamb
        Participant

        Glad it all worked out for you Jenn!!  πŸ™‚

        jennunicorn
        Participant

        Thanks Laura, me too!

        jennunicorn
        Participant

        Thanks Laura, me too!

        jennunicorn
        Participant

        Thanks Laura, me too!

        jenny22
        Participant

        Thats great Jenn..I am glad i kept reading so i didnt repseond to your inital post, as I would have had nothing nice to say relative to insurance companies dictating your medical care. 

        Just very happy to read all is straightened out!

        Hope all goes well with the combo, and is YOUR magic bullet.

         

        BEST!!!

        jenny

        jenny22
        Participant

        Thats great Jenn..I am glad i kept reading so i didnt repseond to your inital post, as I would have had nothing nice to say relative to insurance companies dictating your medical care. 

        Just very happy to read all is straightened out!

        Hope all goes well with the combo, and is YOUR magic bullet.

         

        BEST!!!

        jenny

        jenny22
        Participant

        Thats great Jenn..I am glad i kept reading so i didnt repseond to your inital post, as I would have had nothing nice to say relative to insurance companies dictating your medical care. 

        Just very happy to read all is straightened out!

        Hope all goes well with the combo, and is YOUR magic bullet.

         

        BEST!!!

        jenny

        jennunicorn
        Participant

        Thank you Jenny πŸ™‚

        jennunicorn
        Participant

        Thank you Jenny πŸ™‚

        jennunicorn
        Participant

        Thank you Jenny πŸ™‚

      SOLE
      Participant

      I feel for you Jenn… This is horrible and I support you in everything you'll do to get your treatment. In a much different fashion, I struggle too here in Canada… But nothing compares to what you are going through.

      Hang in there! You are in my prayers!

        jennunicorn
        Participant

        Thank you! There's definitely no perfect health system in this world. 

        Hope you're well,

        jennunicorn
        Participant

        Thank you! There's definitely no perfect health system in this world. 

        Hope you're well,

        jennunicorn
        Participant

        Thank you! There's definitely no perfect health system in this world. 

        Hope you're well,

      SOLE
      Participant

      I feel for you Jenn… This is horrible and I support you in everything you'll do to get your treatment. In a much different fashion, I struggle too here in Canada… But nothing compares to what you are going through.

      Hang in there! You are in my prayers!

      SOLE
      Participant

      I feel for you Jenn… This is horrible and I support you in everything you'll do to get your treatment. In a much different fashion, I struggle too here in Canada… But nothing compares to what you are going through.

      Hang in there! You are in my prayers!

Viewing 32 reply threads
  • You must be logged in to reply to this topic.
About the MRF Patient Forum

The MRF Patient Forum is the oldest and largest online community of people affected by melanoma. It is designed to provide peer support and information to caregivers, patients, family and friends. There is no better place to discuss different parts of your journey with this cancer and find the friends and support resources to make that journey more bearable.

The information on the forum is open and accessible to everyone. To add a new topic or to post a reply, you must be a registered user. Please note that you will be able to post both topics and replies anonymously even though you are logged in. All posts must abide byΒ MRF posting policies.