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Health Insurance

Sunday, April 29, 2012

So most of you know me already but here's a little background. I had ACL surgery 7 weeks ago and have now been recovering and going to Physical therapy 3 times per week. So I just found out from my bastard health insurance company that they only approved 20 PT visits. My physical therapist is fighting for more visits, but she said it's a common occurrence. So I look it up on-line and sure enough 1000's of on-line complaints of insurance companies not giving enough PT visits post op. Well the thing is my health insurance says they will pay for up to 40 visits per year, so why don't they just give me the 40? Anyone else have this problem? How did you deal with it? The physical therapist said worst case scenario she will give me an aggressive at home plan to follow and just have me come in one per week. I could also pay for extra visits with my own money, which I will probably do because I know I need more physical therapy than this.
How do insurance companies get away with this? Physical therapy is 50% of the equation when it comes to recovering from knee surgery. 
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Member Comments About This Blog Post
    I have no experience with that, but it sounds sooo frustrating. I hope you end up with a plan that works for you.
    2153 days ago
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