As a provider the authorization process and having to justify why the patient needs the procedure to the insurance company is all about the insurance making money by denying services. If you decide you are not happy with your advantage plan after 3 years then supplemental plans have the right to deny you coverage based on pre existing …
As a provider the authorization process and having to justify why the patient needs the procedure to the insurance company is all about the insurance making money by denying services. If you decide you are not happy with your advantage plan after 3 years then supplemental plans have the right to deny you coverage based on pre existing conditions . Many specialists are not willing to be on their panels because of this. They also reimburse the providers at a lower rate and if the paper trail is not complete the provider is denied payment for their services. Where I live it was impossible to find mental health providers who would accept the advantage plans.
You are so right Susan! I have standard Medicare and a great supplemental plan that pay 100% of my copays. It’s not that expensive when you factor in what copays can expand to. Sure, I had to get separate vision but I am receiving the best mental health care of my life! There have been no caps on the number of visits as with our previous corporate employee (very expensive) insurance and of course no copays. It has certainly been an important shift in my life.
As a provider the authorization process and having to justify why the patient needs the procedure to the insurance company is all about the insurance making money by denying services. If you decide you are not happy with your advantage plan after 3 years then supplemental plans have the right to deny you coverage based on pre existing conditions . Many specialists are not willing to be on their panels because of this. They also reimburse the providers at a lower rate and if the paper trail is not complete the provider is denied payment for their services. Where I live it was impossible to find mental health providers who would accept the advantage plans.
You are so right Susan! I have standard Medicare and a great supplemental plan that pay 100% of my copays. It’s not that expensive when you factor in what copays can expand to. Sure, I had to get separate vision but I am receiving the best mental health care of my life! There have been no caps on the number of visits as with our previous corporate employee (very expensive) insurance and of course no copays. It has certainly been an important shift in my life.
But of course Medicare for All is the way to go. It has and will be quite an uphill battle that I may not see to resolution