Initially, yes. Then you appeal the claim. Then your appeal gets denied. Then you call with the claim number and challenge the result of your appeal. Then the insurance company contacts the doctor to verify necessity. If your doctor successfully convinces your provider that they know more about medicine than a corporate insurance company, then you’ll be the lucky recipient of an approval.
Source: 20+ specialist appointments and scans per year for the last five years
It’s a meat grinder intended to wear you down so you’ll accept the consequences of your illness rather than actually try to use your insurance todo something about it.
Initially, yes. Then you appeal the claim. Then your appeal gets denied. Then you call with the claim number and challenge the result of your appeal. Then the insurance company contacts the doctor to verify necessity. If your doctor successfully convinces your provider that they know more about medicine than a corporate insurance company, then you’ll be the lucky recipient of an approval.
Source: 20+ specialist appointments and scans per year for the last five years
It’s a meat grinder intended to wear you down so you’ll accept the consequences of your illness rather than actually try to use your insurance todo something about it.
Yes, and it effectively disqualifies anyone who works too much to spend the absurd amount of time it takes to do the approval dance.