nursecosmo wrote:
Sorry to hear about your wreak. As a rehab nurse I'd recommend an MRI in about a week. Often injuries don't show up in the first scan and will show up further down the road after the insurance will not cover the treatment.
Well, that's turning out to be a bone of contention, at least as far as North Carolina is concerned.
Went to regular doctor to schedule a followup appointment on Monday. As soon as I said I was in a car accident, they immediately said they would not accept either BCBS thru work or Tricare Prime - that I had to pay cash up front, they would give me the bill, and it was up to me to submit the bill to my auto insurance company.
I called the Geico rep handling my claim - she called BS, NC state law does not require medical coverage on auto insurance policies, and recommended I find another doctor/clinic. In other words, by state law Geico does not have to pay for any medical expenses on my part.
I tried contacting several other clinics in the area, including the doctor my parents use, and got the same story - pay up front and submit the bill to your auto insurance.
I tried calling Tricare Prime first and then BCBS. Tricare Prime essentially said they were secondary to BCBS and would follow their lead. BCBS said "if that's the office policy of your Primary Care Manager, that's what you have to live with, and if you see anyone else besides your designated PCM we wouldn't pay for it anyway" - they basically said they considered the auto insurance company to be the primary coverage in this case and they would be secondary. And neither Tricare or BCBS would/could provide me with the name of a doctor in the area that didn't follow this policy.
This sounds like nothing more than a gigantic scam that everyone involved - the NC State government, the auto insurers, the medical insurers, and the doctors/clinics/HMO's - are willing participants in.
In short, to be able to do a follow-up exam this Friday, I'm going to have to pay at least $70 out of pocket, just so the doctor can give me the once-over and say I can return to work. No choice in that matter - if you call in on sick leave more than 3 days straight, Freightliner requires you to have paperwork from the doctor saying you can return to work, or you're screwed out of your paid sick time and written up for an unexcused absence. Without paperwork from the doctor, they assume you were just laying out because you had the time available - and unfortunately I have to agree with that policy because many people there have greatly abused the system in years past.
And right now, my right side is feeling the same way the opposite side did when I had a couple cracked ribs 8 years ago. If the doc wants to do anything expensive like an MRI or CAT scan on the follow-up, I'm going to have to decline.
And now I'm wondering if in a month or so if I'm going to get a bill for the emergency room visit because BCBS and Tricare refuse to pay for it.
A word to the wise for those of us that live in NC - ask your auto insurance company if they offer optional medical expense coverage, and add it to your policy if you can afford it.