A month ago I tore the cartilage from my left knee in an unremarkable way: walking. I was on crutches for week and a knee brace for two. Daily ice packs and a GF who's certified in kinesiology and I'm back to walking normally again. Almost. So I went for my scheduled MRI. Only thing is, I've changed employers since then. But no worries, I signed up for bene's my first week.
Yesterday, I sat down to print out my coverage and discovered that none of my selections had been applied. So, I redid my selections, and printed out the card. But when I arrived in Wichita this morning (oh so early), I was told I they would need a member number prior to quoting me, but that I could still get the MRI and submit it when I received my member number! Having been duped far too many times before, I called the new insurance and was told it would take 10-14 days for my member number, but I could pay for the MRI out of pocket and later submit a reimbursement.
But also that MRI's weren't covered under this particular PPO without a prior pre-authorization from an intermediary who has to grill my primary care physician to ensure he's not just suggesting MRIs because he's bored or something (because I'm pretty sure that's what doctors do).
Needless to say I chose to not pay for an MRI myself, and simply drove me and my damaged knee back home to fight another day.