On Saturday I got one of those explanation of benefits from the insurance company which shows what they pay, what I am responsible for etc. Called insurance this morning because on each date that I had PT, there were several charges; most were paid, but each date had a $21 charge that was denied. When I asked specifically what it was for, he said "cold therapy" which is not covered. (The form they mailed just said Medical Service.) When I looked at the booklet we get with covered/not covered services, I get "20 combined physical/occupational therapy visits per year (after 20 visits insurance company will review for medical necessity)" That's all it says about PT. Under durable medical equipment it says "Convenience items including, but not limited to heat/cold therapy are not covered." So I knew an ice machine to use at home wouldn't be covered, but I sure didn't expect them to deny part of what the therapist did.
I have 180 days to appeal which I certainly will do before paying. I haven't gotten a bill yet; I'm sure it will arrive soon.
I'll be talking to my PT about this tomorrow when I see her, and I sure won't let her use the cold therapy at the end of my visit. I'm not upset with her-actually she is a friend of almost 20 years, and don't expect her to read the fine print on everybody's insurance before she treats them. (The therapists are so busy that there is no way they could keep up on all of that.) My beef is with the insurance company. We'll see how this all works out.
Thanks for letting me vent!!