OK, so awhile ago I posted how I put off going to the physical therapist because I was concerned about the $1,000 a year coverage limit. I finally couldn't take the pain anymore in my shoulder and went to the PT place. I asked them to check coverage for me, just to be sure. I didn't want to run over the limit. She called and checked, it's unlimited. WHAT! Woohoo!! So, now I'm like, well why did my insurance company screw me last year when I went for my neck and only cover me for $1,000 leaving me with a nice $400 bill before I was notified I was cut off? I called them to find out the scoop. After many menus, much button pressing and speech activated menu navigating, I finally got a real person. Although, I'm not too sure you can call them real since they read almost every single word in our 10 minute conversation from a script. I could tell because she wasn't a good reader. A little slow. That's the new thing you know, almost every call center of any size has "scripted" employees. They read all questions, answers, etc from a set of scripts. It can be very aggravating, but don't try to bypass it because they cannot function if you veer from their script. Automatons.....
So I discovered that my "health" plan has 2 special exclusions for physical therapy. If you go for your back or your feet (your feet, really??), you have a $1,000 limit per calendar year. Your neck is part of your back because it's part of your spine. How stupid. I'm sure these exclusions are because most people who need physical therapy need it on their back, or apparently, their feet. The US system allows insurance companies to basically deny or limit coverage based on any whim they may have. Let me just tell you how ridiculous the American health care system is. How rigged. How against the normal everyday person and frankly, to some degree against the doctors, too.
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