definitely. it's not even a surprise anymore when a doctor recommends a course of treatment that is expensive (physiotherapy) that insurance defaults to rejecting it and it becomes a fight, during which time the patient is receiving no treatment or gambling that the insurer will reimburse them. because the provider is going to want to be paid immediately.
In some places you have to get a referral first or the insurance won't cover it, in which case your on the hook for hundreds to thousands of dollars.
definitely. it's not even a surprise anymore when a doctor recommends a course of treatment that is expensive (physiotherapy) that insurance defaults to rejecting it and it becomes a fight, during which time the patient is receiving no treatment or gambling that the insurer will reimburse them. because the provider is going to want to be paid immediately.