I had to ring UHC today to follow up with more claims as their process is so insane it takes time every day to make sure everything is being taken care of on their end, by me. I think I should get a paycheck from them. Anyway, whilst I was on the phone I asked the rep about this "30 day Physical therapy" bit they have listed. My PT and I have had to rush as much as we can so we do not use up all of my 30 visits as that's all that is covered for the year. NOT per body part or problem, but in total. I was shocked to learn that. I had thought it was per problem, as that is what it was on my previous insurance.
Here's the funny part, she said that it's only for 30 visits so "the therapist can't lie to you and tell you you're not improving and tells you to keep coming back so they can keep getting paid". HA! More like UHC trying to save money and neglect patients that really need the coverage!
I explained to her that one can usually tell when one is improving or not, and what happens if you G-d forbid have an accident or something goes wrong with another part of your body - and you need PT? She said that you can always write to UHC BEFORE the 30 visits are finished and they will review the case, and you should send in medical histories and a note from the doctor saying why it's medically necessary. I tried not to laugh out loud - as those of us who have tried this after being cut off know there is a minimal chance of you ever getting those additional visits you need. I did mention to her that I found it strange that the insurance companies put weird restrictions on recovery times for specific problems, like if you're in PT for your neck, you should be better within 6-8 weeks, or something along those lines. She actually agreed, but she's also just a rep and doesn't have any control. Still, I had to mention how absurd it is to assume each persons body is exactly like the next persons as it just doesn't work that way.
I truly hate insurance companies................
