To continue Maria's rant, yesterday's news revealed that level 4 medications, used to treat cancer and ms, etc. are now being covered by some insurers no longer as a co-pay, but on a percentage basis, costing the insured as much as thousands of dollars per month. Why bother with insurance?
On another note, if something is not specifically mentioned in a policy as not being covered, then it should be. I'm not any kind of legal expert but a previously non-disclosed exclusion should mean inclusion and though it may come down to a legal fight, the written word usually has the last one.
If you're overly concerned, you may want to consult an attorney.
I had a 3 level with Dr. more than 2 years ago and since then, all my pm charges and meds have been covered as well as x-rays and post-op consultations and physical therapy. I do have a ppo which may differ from an hmo.
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3 level Prodisc adr S1-L3, Oct 12, 2005
Dr. B in Bogen, Germany
Severe nerve damage in left leg, still working on it
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