Help me deal with my health insurance company.
First off, if you want to get better versed in health insurance terms and norms, here’s a guide from MedlinePlus. Also, if your insurance is through your job, talk to your HR/benefit coordinator. They can help explain your specific policy to you, and since they don’t work for the insurance company, you might be able to be more frank with them than with an insurance claims person. Call your insurance company and ask them why the exam wasn’t covered (and don’t tell them what was found–I second GilloD on that). If it’s because the doctor isn’t on your plan, find out how to choose a doctor that is. If it’s because they don’t cover routine physicals, maybe you can make another appointment with your doctor (or another) — not a routine visit, but a “hey i have these symptoms” visit. That might get you set up for the MRI to be paid for. (Depends on your coverage).
