NC Man's Months-Long Mental Health Stay: 'Not Medically Necessary' Says Insurer

NC Man's Months-Long Mental Health Stay: 'Not Medically Necessary' Says Insurer
Photo by Kirby S on Unsplash

In a saga more tangled than a North Carolina house remodel, L—an anxious software wiz and Dungeons & Dragons enthusiast—faced not just back-to-back suicide attempts in early 2024, but also insurance denial from Highmark Blue Cross Blue Shield claiming his monthlong inpatient psychiatric stay was 'not medically necessary.' His wife, Teressa Sutton-Schulman, a chemist-turned-paralegal turned insurance-warrior, crafted a meticulously detailed 200-page appeal so thorough Dr. Neal Goldenberg, an external psychiatric reviewer drowning in student debt, thought a lawyer penned it. L’s anxiety peaked amid pandemic-fueled housing market chaos, losing $25,000 earnest money just trying to switch ranches outside Raleigh, all while the five cats sabotaged sleep. Seriously, if insurance had a D&D class, it'd be the 'Dungeon Master of Denials.'

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Source: Propublica | Published: 9/10/2025 | Author: by Duaa Eldeib, photography by Sarah Blesener for ProPublica