Q: What should I do if workers’ compensation refuses to pay for my MRI?
Doctors frequently order Magnetic Resonance Imaging (MRI) tests to determine the extent of an accident victim’s injuries. However, most MRI testing facilities won’t schedule an appointment without insurance company approval.
MRI Testing Delays
Millions of MRI scans are conducted in the United States each year. These tests are ordered by doctors to help them diagnose injuries sustained by accident victims, such as herniated discs, pinched nerves, or torn ligaments. There are a few typical reasons why insurance companies delay these tests:
- The insurance company may want a second opinion regarding the need for an MRI
- The insurance adjuster denies authorization for the MRI
- The insurance adjuster wants to review the case further before making a decision
- The insurance coordinator at the MRI testing facility can’t get a response from the insurance adjuster
- The insurance adjuster has referred the MRI request to other departments within the insurance company, such as utilization management, for further review
Receiving MRI Approval
An MRI offers your doctor a more complete picture of your condition, along with providing important evidence that your injury is work-related. If the insurance company is delaying approval of your MRI, there are several steps you can take to move the process along.
Start by contacting the medical facility where the MRI will be performed, and ask staff members about the scheduling status of your test. If they tell you approval is still pending, try to find out what's been done so far. If the insurance adjuster has delayed approval of your MRI, you may need to speak with him directly.
You Need Representation
Your employer’s insurance company should provide the medical treatment you need to heal from your work-related injuries. An experienced workers’ compensation attorney understands the intricacies of insurance, and can help you receive the compensation you deserve. To learn more about what the law offices of Steve M. Lee, P.C., can do for you, visit us on Facebook.