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Comment : Bone stimulator insurance requirements
Posted by Judy on Sun 9:55am 17 July 2005
I find it very interesting that your doc told you that insurance companies won't pay for this until there has been no healing for 3 months. My doc prescribed it on the day of the fracture in my foot, because, he said, this break probably wouldn't heal without it, due to the particular location and other factors. He said, "I think I can get your insurance to pay for it." He had me come in the following week to get it and get instructions on it from the EBI rep. Neither the doc nor the rep mentions the cost. I assumed the doc had gotten the OK from my insurance. My fracture healed, but it took 6 months for a tiny break in my metatarsal.
Fast forward. Insurance denied the claim, citing the 3-month rule that your doc told you about up front. They say they can't know if the bone stimlator did any good because "it healed anyway." If it had not healed, they would have said, well, obviously it didn't do any good and wasn't needed. The cost of this thing? $4,700, which EBI now expects me to pay.
I feel ripped off, by insurance AND the doc AND EBI. Patients are entitled to know the facts about this sort of thing up front. My insurance just says, well, you should have asked. What patient does that? Well, from now on, me.
- Bone stimulator insurance requirements - Judy Sun 17 Jul 2005
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