Medical Mutual / Refusal to pay fpr a product they said was covered
Never in my life have I been so frustrated with a company as I am right now. My gynecologist's office recently called Medical Mutual to check the availability of coverage for Mirena, the insertable birth control device. The device itself is $700 and the insertion is $200. Tanya, a MedMut rep, was given my policy # and the device code, both required by MedMut to check coverage. After looking up my coverage info, Tanya told my doctor's secretery that the device and insertion were both covered, all but $6 and some change plus my $20 co pay. Two months later, I get an explanation of benefits from MedMut stating that they in fact do not cover this device at all (even though, due to my calculations, it would be $400 cheaper to pay for this device compared to paying for birth control pills for me for the next 5 years) and even though they LOOKED AT MY POLICY and said it was covered, they now refuse to pay for it. I have filed multiple appeals to no avail, have had repeat phone calls go unanswered/unreturned, and now am being hit with late charges from my doctor's office due to the outstanding balance. NEVER DEAL WITH MEDICAL MUTUAL IF YOU CAN AVOID IT AT ALL!!!