I'm glad y'all had such a good chuckle. But you haven't refuted my point. You suggest that insurance companies routinely try to avoid paying what they are contracted to pay. If that is common to insurance companies across the board, then it's reasonable to assume that the companies will definitely not pay on things they are not contracted to pay, such as experimental treatment. So you can discern that simply by reading the contract, like I said.
FWIW, my insurance has never declined to pay what was expected of them. I'm a pretty heavy user so you'd think I would have had at least one bad experience by now were it so routine.
As for the doctors' staffs, they have my sympathy. It must be terribly difficult to keep track of who pays for what and how to code it. And I'm sure, if the procedure is iffy, it is time consuming to call ahead to get pre-approved. I think the process really stinks. That level of expertise shouldn't be needed by doctors' offices to simply do business. But if you picked up, amid the laughter, a legitimate example of refusal to pay, I'd like to hear it. I do not personally know of any. I know that with my father he fussed about some charges that didn't get paid, but when I researched them in the policy, the insurance company was right. My dad just thought that he shouldn't have to pay, which is not the same thing as them being contracted to pay. |
