Join Early Retirement Today
Thread Tools Search this Thread Display Modes
Neuropsych covered under mental health insurance?
Old 07-29-2013, 01:05 PM   #1
Thinks s/he gets paid by the post
free4now's Avatar
Join Date: Dec 2005
Posts: 1,225
Neuropsych covered under mental health insurance?

I had a neuropsych evaluation done earlier this year, prompted by relatively typical issues around memory issues as I get older, and well as lifelong anxiety and depression. In a nutshell, the result was that I'm normal, no major issues.

Now I'm wondering if there is any way to get my insurance to cover this. Anthem high-deductible PPO insurance wants me to pay all the $4k negotiated cost.

I have heard rumblings from various people that it's possible that my insurance might have recently been updated to cover mental health issues to conform to Obamacare standards, even though I remember specifically that it didn't cover such when I started the plan 7 years ago.

I know in theory I should be able to read my plan and see, but in practice it tends to be written in vague legalese that I can't really make much out of.

Anyone know if Obamacare would have required my insurance to have started covering mental health already and where I can find details to try appealing my insurance? Or maybe I should just file an appeal without even trying to do any research?

free4now is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 07-29-2013, 07:01 PM   #2
Full time employment: Posting here.
ER Eddie's Avatar
Join Date: Mar 2013
Posts: 758
Originally Posted by free4now View Post
The result was that I'm normal

You should probably get a second opinion.

ha ha.

I would think you'd have to go through the onerous process of calling your insurance company and trying to get straight information out of them...

I can tell you it's generally hard to get most psychological testing covered by insurance. Even when you can, reimbursement rates are very low. There might be an exception for neuropsych testing though, which is a specialized area and usually done for very good medical reasons.

ER Eddie is offline   Reply With Quote
Old 07-30-2013, 06:00 AM   #3
Thinks s/he gets paid by the post
Htown Harry's Avatar
Join Date: May 2007
Posts: 1,517
Are you sure a neuropsych test is automatically classified as a mental health test by your insurer?

They can be used for diagnosis, differential diagnosis or confirmation of a number of medical situations: stroke, dementia, brain injury, etc.

If the test was in fact ordered for that reason, I'd stick to discussing the memory evaluation with the insurer.
No doubt a continuous prosperity, though spendthrift, is preferable to an economy thriftily moral, though lean. Nevertheless, that prosperity would seem more soundly shored if, by a saving grace, more of us had the grace to save.

Life Magazine editorial, 1956
Htown Harry is offline   Reply With Quote
Old 08-02-2013, 10:57 AM   #4
Thinks s/he gets paid by the post
free4now's Avatar
Join Date: Dec 2005
Posts: 1,225
I called Anthem and said "I'd like you to explain why you only paid $25 for this several thousand dollar bill", and they said they would send the claims to adjustment and it would take 30 days.

I didn't have to say anything about why they should be adjusted. This is a good reminder to me that it's almost always safer to challenge everything my insurance company does that seems wrong.
free4now is offline   Reply With Quote

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


All times are GMT -6. The time now is 07:42 PM.
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2018, vBulletin Solutions, Inc.