Looking for any advise here. last July I bought a motorcycle. While I rode it back from the sellers house my back started to hurt. It was a one hour drive and I had to pull over several times. It has plagued me since, has steadily gotten worse to the point now that I can't ride in my work van for more than 30 mins without getting out.
I have united healthcare, I think I chose the better of the two options they offer.
I had an x-ray a few weeks ago, I was just told there is a 700 dollar bill sent to me. It came out of my 2,500 deductable from 08. The doctor said I have degenerative disk disease (basically back arthritis). He gave me prednisone and a week worth of pain killers. He said I have to sort of deal with it, and gave me a tens unit.
Well the pain is way too much to just deal with, I went back and asked for an MRI (doc didnt think it was needed). He ordered it and I called my insurance co to see if it was covered.
I was told it will come out of my deductible so basically I pay the two grand out of pocket, and it will reflect my deductible.
I called the MRI place. they said I need to stroke them a check for nine hundred bucks just to get started (their payment plan is half now half later), though if I pay in full I get 25% off.
The MRI place put me on with their insurance dept. The in house insurance people said that doesnt make sense, insurance is supposed to pay for it then bill me out of the deductable
I can't understand whats going on here. I need the MRI, I just can't describe the pain in my back. The tens unit is useless and pain killers are seven bucks a piece on the black market. I could care less about my credit at this point
I'm thirty years old and something has to be done here. Anyone had to deal with a situation like this?
Is it really possible for a doctor to tell me I have degenerative disk disease just from an x-ray? I think he is wrong (but he is the second opinion)
Shouldnt my insurance be paying, then billing me the deductable?
I really, really don't want to be forced out of this line of work, nor do I want to become hooked on pain killers.
Is this coverage as bad as it seems?