A year ago my insurance denied an MRI of my back. This past year my husband turned 65 and went on Medicare, forcing me to redo my policy.
I started having new symptoms with my back that I couldn't ignore. My doctor requested an MRI once again. My insurance denied again saying this was a preexisting condition! I asked, what is my CONDITION? They said, back pain. I argued back pain was not a condition, it is a symptom of an undiagnosed condition. I explained a year ago they denied because I didn't show enough through doctor visits that I needed an MRI. Prior to that request I had been to the ER and my doctor numerous times.
In the end they agreed to the MRI. The kicker is I have a $5000 deductible. They were not paying a penny anyway. But without approval I would not get the agreed upon insurance rate I would get the rate of someone walking in w/o insurance and that was $1000 more! Insurance is such a racket.