Most of the denied things I get from my supplemental insurance are because Medicare denied something. They deny anything Medicare does so the fight to get it paid starts with CMMS.
It was hard learning but I always ASK now BEFORE any procedure, test, whatever if it’s medicare covered and covered by my secondary insurer. If the doctor/facility isn’t sure I make THEM get a pre approval before anything happens. That way I’m not gonna get burned on tests like Hep A,B, and C I didn’t need and my doctor didn’t realize how much they cost.
Even if they get a 5 percent denial.
That is a huge amount of extra money they get to keep and not pay out.
I went trough the process a couple of times.
It sure seemed like they were just trying to wear me down so I would pay. Saying it wasn’t worth the time to fight it.