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Policyholders, BEWARE of this tactic.
My daughter suffered a muscular injury due to sports. Went to see our General Practitioner, an M.D., who diagnosed the injury and ordered physical therapy. UHC authorized 8 PT sessions. We used 3 as most of the therapy involved out patient exercises. My daughter raegrivated the injury several weeks ago and we went back to the therapist, who wanted to start seeing her 2x / wk. UHC authorized only 2 visits (our original authorization for 8 visits had 'timed out').
I called UHC for an explanation of their denial of benefits (each family member has 40 physical therapy visits per calender year as a basic benefit), and was told by a level one representative that UHC submits such claims to the AMERICAN CHIROPRACTIC ASSOCIATION for approval, and based on the ACA's assessment, UHC was authorizing two visits.
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