So, your doctor ordered a test or treatment and your insurance company denied it
(try physical therapy first or not medically necessary).
That is a typical cost saving method.
Ok, here's what you need to do:
Call the insurance company and tell them you want to speak with the “HIPPA Compliance/ Privacy Officer”
(By Federal Law, they have to have one)
Then ask for the NAMES as well as CREDENTIALS of every person accessing your records to make that decision of denial.
By Law, you have right to that information.
They will almost always reverse the decision very shortly than admit that the committee is made up of low paid HS graduates, looking for “criteria words” making the medical decisions to deny your care. Even in the rare case it is made by medical personnel, it is unlikely that is is made by a board certified doctor in that specialty.
THEY DO NOT WANT YOU TO KNOW THIS!