ERECTILE DYSFUNCTION: GETTING INSURANCE TO PAY
Insurance coverage for impotence varies widely. Some plans pay for only physically caused potency problems, while other policies are more liberal. Some insurers pay for only certain types of implants. And some plans require specific documentation, such as test results, to show that the problem is indeed physically caused,
You should check your policy to see if sexual dysfunction is included. Even if it isn’t, you may be able to obtain coverage if your problem is due to a medical condition which is itself covered. Then get prior approval for payment. Ask your doctor to write the insurance provider and give them the specific facts of your case. One insurance expert recommends that the physician attach a medical journal article discussing the particular condition you have and the treatment proposed. And it doesn’t hurt for the physician to note that a speedy reply is necessary, since treatment has been scheduled by a certain date.
If you’re having implant surgery, the manufacturer of the prosthesis may be able to help with insurance problems. Your doctor will know how to contact the company.
If, after all this, the coverage is denied, appeal the decision. Be sure the medical director or another high-ranking executive reviews your case. And if the denial remains firm, you may want to consider complaining to your state insurance commissioner’s office.
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Posted on March 27th, 2009 by admin
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