Appeal the decision, get ur Drs to write an explanation why it is needed....U may be able to get it in that way....
And look into the policy u have....it may have a limit per calendar yr......
I have blue cross & blue shield. They refuse to pay for any more said i have maxd the limit out.
Hi,..I have not had that, but did have to wait until 6 months passed as they would not cover if one had been done less than 6 months ago....
And the other issue I had a few yrs ago, my ins refused to pay for PT stating my issue was chronic...but when I applied for LTD...they felt I was able to work and had no issues????WTH