I am a provider, when my receptionist checks my patients insurance benefits, they tell her that he/she has $2,800 in coverage every 3 years.
P.S. We are talking about mostly United Healthcare here.....
Anyways, on top of that a state law in Arkansas went into effect requiring a minimum of $2800 in coverage every 3 years. This is NOT subject to deductibles or copayments. Here is a link to the law:
The main culprit here is United Healthcare. I have problems with others, but almost every time with them. They tell me they cover $2,800......the law requires them to cover $2,800.......and they put me through the hoops everytime.
Hell, I am still messing around with them on a claim from July of 2010.
We don't have the time or money to fight a big insurance company in court. I am just so sick of it. It is always a straight up denial or partial payment.