No providers exist in the network that provide "X" as a service. I called the providers who are listed as having "X" as a specialty and they only provide a loosely related service.

Is this allowed?

Always see people fighting with insurance carriers on here, hopefully someone knows...

9/27/2013 12:51:02 PM

my health insurance covers out of network providers for things like this

9/27/2013 1:02:42 PM

did you have to negotiate that or is there a procedure in the policy that states so?

9/27/2013 1:07:04 PM

call your insurance company and ask?

9/27/2013 1:29:34 PM

^^ i've never had to do it, i just read that in my policy

9/27/2013 1:32:11 PM

^^ insurance company is giving me the run around, that's why I'm asking if they are even allowed to offer a plan that covers X but doesn't really cover X

9/27/2013 1:43:11 PM

nevermind, just found it in the rider - just says they will cover it if no preferred provider does so, doesn't give me any advice as to procedure...

9/27/2013 2:06:38 PM