Browndoesntfrown
Active Member
To start off, I am a full time driver in NC. I recently fell outside of work and possibly injured my shoulder. I went to an urgent care clinic where they took an X-ray and found nothing to be broken so they sent me on my way and wrote me out for one day of work to ’recover’. Something in my shoulder locked up again the following day so I decided to see an orthopedic doctor for further examination. I made sure I went on the BCBS website and found an in-network provider. The doctor wanted me to get an MRI and so they scheduled it for me while I was there for the next day with the same medical agency. I had no idea that I was supposed to call a number on my insurance card to ‘pre-schedule’ an MRI with the USIN (United States Imaging Network) to be covered at 100%. I called the number while I was at my MRI appointment and the representative told me that I was supposed to ‘pre-schedule’ it with them before I came to the appointment and that the medical agency I was with was not covered for the MRI portion. I proceeded with the MRI appointment anyways as I am trying to get to the bottom of my injury as quick and prompt as possible but ended up having to pay hundreds of dollars for the MRI because I didn’t know the correct ‘method’ of the insurance. I am posting this as a warning to anybody that gets injured off the clock to make sure you call that number on your TeamCare card before you throw away a lot of your hard earned money because you weren’t aware of the correct procedure for MRI scan coverage with our insurance. I’m not sure that the insurance is the same for every state so maybe I sound crazy but I needed to get that off my chest. I just paid a lot of money for no reason. Thank you and have a good weekend lol.
TLDR: I got an MRI as my in-network medical provider suggested and I was not covered by insurance at full cost. Make sure you call the telephone number on your insurance card to schedule an MRI before you do so or you will waste a lot of money like I did.
TLDR: I got an MRI as my in-network medical provider suggested and I was not covered by insurance at full cost. Make sure you call the telephone number on your insurance card to schedule an MRI before you do so or you will waste a lot of money like I did.