Quote:except they really dont...every filed an appeal for denial of services? you can expect to wait for months before they take any action...I need an MRI for my back but to get an MRI I have to either attend pain management sessions or physical therapy for 6 weeks...I waited 2 weeks for an opening in pain management only for them to tell me I can't do pain management without having an MRI, so I waited another week for an opening in physical therapy who said they can't treat me because I need a firm diagnoses of my condition because they don't want to cause more damage to my back by doing the wrong exercises, so I can't do psychical  therapy without an MRI...Filed an appeal, about 6 weeks later the insurance company claimed it's not a medical necessity at this time because they have found that physical therapy often relieves back pain without the need for an MRI, so it went back to the arbitration board...  

 

This reminds me of Dad complaining to Mom about needing to take a CAT scan to see if he needed a PET scan. The PET scan revealed his colon cancer was in Stage 4. Why can't the insurance company simply pay for the PET scan? Before that test, the doctor thought it was in Stage 1, so without knowing any better I blamed the insurance company for making him put off having surgery too long.

---