Physicians Plus Insurance Bad Coverage Madison Wisconsin

Bad experiences with their coverage.

I've been trying to get a claim denial resolved for some time- for some reason, getting severe pains at 2AM in the morning and going to the emergency room doesn't warrant insurance coverage. After a long, drawn out process of trying to find out why I was denied coverage, I found out that the reason was because the origins of my pain were listed as dental related in the medical record.

So I guess what they're proposing is that whenever I'm in pain in the middle of the night, I first sit and spend 30 minutes to an hour wallowing in severe pain and then try to make sense of their long list of coverage dos and donts. Fun.

So if you want uncertainty and the adventure of not knowing whether or not you should go to the emergency room everytime you wake up in the middle of the night in severe pain, then Physician's Plus is the insurance for you. For me, I'd rather not have to deal with that.