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Stupid Insurance rules raise costs and keeps you in pain

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Stupid Insurance rules raise costs and keeps you in pain

Old 02-10-2018, 03:41 PM
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Default Stupid Insurance rules raise costs and keeps you in pain

I have a pinched nerve in my back. This is the second time it has occurred and my doctor knows exactly how to fix with a steroid shot in my spine. He wants me to get a CT scan first (I can't get MRI), However before the insurance company BC/BS will approve I have to sign up (and pay) for 12 Physical Therapy sessions. I have been doing these exercises for the last few years and while they may help some the only way to stop the pain in my shin (where the nerve ends up) is the steroid shot. So I need to do the PT, pay the co-pays and have to be in pain for weeks. Next week I am just going to find out what the cash amount direct to the doctor would cost. Health insurance sucks and we pay for the best BC/BS plan.
Old 02-10-2018, 04:29 PM
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What type dr ? Pain or ortho ? If pain ask for the procedure where they burn nerve . Lasts 4x longer than shot and those steroids screw other stuff up .
Old 02-10-2018, 04:39 PM
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I feel your problem with insurance I paid out of pocket fro a special MRI om my prostate because insurance wanted me to get a 12 core byopsi done before they would pay.

Ask the Dr office what they will charge you with you paying. they usually drop down to what insurance ends up settling for instead of their original charges
Old 02-10-2018, 05:32 PM
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Originally Posted by joe.giuliano View Post
I have a pinched nerve in my back. This is the second time it has occurred and my doctor knows exactly how to fix with a steroid shot in my spine. He wants me to get a CT scan first (I can't get MRI), However before the insurance company BC/BS will approve I have to sign up (and pay) for 12 Physical Therapy sessions. I have been doing these exercises for the last few years and while they may help some the only way to stop the pain in my shin (where the nerve ends up) is the steroid shot. So I need to do the PT, pay the co-pays and have to be in pain for weeks. Next week I am just going to find out what the cash amount direct to the doctor would cost. Health insurance sucks and we pay for the best BC/BS plan.
Welcome to my life...
Old 02-10-2018, 07:52 PM
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Originally Posted by joe.giuliano View Post
I have a pinched nerve in my back. This is the second time it has occurred and my doctor knows exactly how to fix with a steroid shot in my spine. He wants me to get a CT scan first (I can't get MRI), However before the insurance company BC/BS will approve I have to sign up (and pay) for 12 Physical Therapy sessions. I have been doing these exercises for the last few years and while they may help some the only way to stop the pain in my shin (where the nerve ends up) is the steroid shot. So I need to do the PT, pay the co-pays and have to be in pain for weeks. Next week I am just going to find out what the cash amount direct to the doctor would cost. Health insurance sucks and we pay for the best BC/BS plan.
The treatment the doctor prescribes is based on spreading out the responsibility and what the lawyers want done. We are at a disadvantage in these types of cases. If a treatment or test is available and the doctor bypasses it then they may be held liable. I'd love to read a doctor's malpractice policy.

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