Health Insurance nazi companies!?

Why is it that it seems like the insurance companies can control what kind of care I need?

I go to the doctor and I need a minimum of 4 weeks of treatment and they will only pay for 3 days?

I pay out of my butt for the top of the line insurance at my job and still I get them telling me what I can and cant do!

Insurance companies usually pay for the care that is medically necessary. They often have limited coverage for things like Physical therapy and Chiropractors because these types of providers will often drag out the care you need to make more money. I have direct experience with providers trying that on me.

You can call you insurance company and appeal their denial and ask them to reconsider the care you need.

Remember these companies insure hundreds of thousands of people and have an extensive database of claims to compare your needs to. If this condition is usually taken care of in 3 visits 4 weeks would be en extreme case.

If you post some additional details maybe I can provide some additional insight.

If you do seek the 4 weeks of treatment and the cost exceeds $250 I would suggest use a medical claim review and settlement organization. If you visit MyMedicalcontrol.com they will try and negotiate a lower price for you. If they succeed you will pay them 30% of what they saved you, if they are not able to get you a better price you are not charged anything

See, the NHS in the UK is far from perfect, but we don't have any of that crap to deal with.