Medicare, Medicaid, Life and Health Insurance/stem cell coverage

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Question
We have BCBS federal and were wondering if stem cell treatment is covered ..my wife is having knee problems and her Doctor told her that stem cell has been remarkable in curing many knee problems, but he is under the impression that it isn't covered,,,yet my wife did some research and found a similar case was covered here in Florida...any info would be greatly appreciated....thank you!

Answer
Hi Nick:

You would have to review your current plan exclusions and coverage.  Every plan is different and would be impossible for me to tell you.

Most times stem cell is listed as an exclusion and you can not appeal an exclusion.  

So check your policy it should be listed one way or another or you can call your insurance carrier directly and ask.

If you disagree with your policy you can always appeal.

Good Luck!

Tricia

Medicare, Medicaid, Life and Health Insurance

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Tricia

Expertise

Has your medical insurance company denied your claim and refuses to pay? Have you received a pre-authorization and still your insurance company refuses to pay? How can you get your insurance company to reverse a denied claim? How do you get a provider to waive your copayment if you are financially unable to pay? Can a provider sue you for a unpaid bill and will they? Can a provider send me to a collection agency for a medical bill? If my insurance company does not pay, am I responsible? If you have these questions or others on why your insurance company is not paying your bills, I can help. I can give you "tricks of the trade" to get your insurance company to pay. I have limited knowledge on Medicare and Medicaid and that is not my expertise. Each state is very different regarding Medicare and Medicaid so you need to review their website when you have questions. So please no Medicare or Medicaid questions!!

Experience

In the medical field for over 20 years spending majority of time in the collections aspect.

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