So in my last insurance post I told you about the drama with my claims for therapy. Today I want to talk about my claim for rehab.
Before going to rehab I checked with my insurance to find out what sort of coverage I’d get. I was told that so long as I got pre-authorization I’d have my standard coverage. That meant that once I met my deductible they’d cover 70/30 of the allowed cost, and when I reached my out of pocket limit they’d cover 100% of the allowed cost.
Well, the rehab was really good about getting the pre-authorizations. First they covered two weeks and then it went on a week to week basis. I got the authorizations for my entire stay.
Once I got home, it did take time until I got the invoice from the rehab, but once I did, I promptly submitted it to AmeriHealth. I didn’t hear back from them for over a month. I had already gotten responses on my therapy claims that I had submitted after that claim (all of which were declined…). Continue reading Pet Peeve: Insurance (continued)