There is an issue within the institution of insurance and what they actually cover, and what they actually don’t. Insurance deficiencies impacts all disabled people. It is understandable that all insurance companies have to pay redolent claims for years as the constant battle for them to determine if a claim is truthful or fraudulent.
Medicare and Medicaid are companies paying out the majority of the disability claims, however there are plenty of private companies that pay claims as well, however most follow Medicare guidelines.
What is misunderstood by most people is that for insurance companies to pay for anything there has to me some sort of medical justification for each claim that is proven before anything is paid for. This justification must come from a professional as a doctors prescription is simply not enough for some jobs to be done. If one were to call Medicare and ask if a service of a piece of equipment is specifically covered for a disabled person, they will tel you that the provider has to submit a claim and then they will pay for it.
The insurance company often does not mention that the DME submits all kinds of documentation along with the specific claim for it to actually be paid. the lack of communication and information often frustrates people and then the people think the insurance camping employees aren’t doing their jobs. The truth is that they are working very hard at gathering the requested information to make sure the services are paid for. People who work in any industry can understand what its like to be disabled and try to help people, but insurance capping do make things very difficult and frustrating.
It’s helpful to note that insurance companies are not evil or malicious and the policies the pt in are there for a good reason. most of the time, these policies that make claims difficult tog et approved are actually put in place because people have defrauded the insurance companies for years, with millions of dollars basically stolen from them. Insurance companies also face the issue that most people believe they don’t know the differences in medical conditions and which services or equipment is required to help with these questions. Insurance companies actually have full trained medical staff that know exactly what they are doing and also strive to do the right thing, however policy does often get n the way of doing the right thing.
The question still remains – what can I do to make the insurance companies actually help me out and pay? How can I help my family? The answer is to advocate for your cause and get politically involved. Insurance issues are important and friends and family can help raise the issue around the insurance system in the country. The best thing to do is get as many people as you can out there and get motivated, get involved, and start advocating for the people you love.