This is hard for me to understand. No one in my family has ever been denied coverage or procedures. Young, old, or infirmed. Perhaps it's timing, but years ago we had United Healthcare... had a major brain issue with a teen, all covered.
I just don't understand why some are and some aren't.
I would say the same for me, but the difference is that when I was working, I was with huge companies that were self insured and their coverage for employees was of the "Cadillac" variety. Everything my doctors threw at them before I retired, was covered, meds too.
I know others who unfortunately work for organizations that have cheap plans and they encounter rejections frequently. Usually for a utilization review, or if the recommendations are approved by in house DR's and Nurses. At that point, you're at their mercy, dragged thru the process, hoping you'll just go away.
This is hard for me to understand. No one in my family has ever been denied coverage or procedures. Young, old, or infirmed. Perhaps it's timing, but years ago we had United Healthcare... had a major brain issue with a teen, all covered.
I just don't understand why some are and some aren't.
I would say the same for me, but the difference is that when I was working, I was with huge companies that were self insured and their coverage for employees was of the "Cadillac" variety. Everything my doctors threw at them before I retired, was covered, meds too.
I know others who unfortunately work for organizations that have cheap plans and they encounter rejections frequently. Usually for a utilization review, or if the recommendations are approved by in house DR's and Nurses. At that point, you're at their mercy, dragged thru the process, hoping you'll just go away.