Unfortunately I have Humana PPO Disability. Before choosing Humana, I called and listed the services that my condition requires and was assured that they would be covered - that was untrue.
My Dr's request pre-authorization for all of my visits because they seldom receive payment - it does them little good. I figure a picture is worth 1000 words so attached is a photo of the "paid claims" on my most recent statement.
I am filing a complaint with NC Dept of Insurance and Medicare and recommend others do the same. Sick people should not have to deal with this and Dr's should be paid for their services!