I went to the internist Tuesday. He sent me to have CT. They took my insurance and charged me a $35 copay.
Wednesday the insurance company called to tell me I had approval to get a CT. I thanked her.
But what if they didn't approve it? I know I can appeal that it was medically necessary, but my wife (a NP) thought they should have just done an xray, so it is hardly certain I would have gotten approval. Would I be on the hook for it, the CT center who took my insurance, or the physician who scheduled it before I could possibly gotten approval?
Or do the physician and CT center know it is always approved, so there is never an issue?
I couldn't find a health insurance forum to post to :) but figured someone here is probably in the business or has had the experience.
Wednesday the insurance company called to tell me I had approval to get a CT. I thanked her.
But what if they didn't approve it? I know I can appeal that it was medically necessary, but my wife (a NP) thought they should have just done an xray, so it is hardly certain I would have gotten approval. Would I be on the hook for it, the CT center who took my insurance, or the physician who scheduled it before I could possibly gotten approval?
Or do the physician and CT center know it is always approved, so there is never an issue?
I couldn't find a health insurance forum to post to :) but figured someone here is probably in the business or has had the experience.
What if your health insurance doesn't approve something you have already done?
