Insurance question...United Health Care?

Question

I have United Health Care and it pays for speech therapy up to age 3. My son didn't really start talking until he was about 2 1/2 so I don't think its fair to only have my insurance pay for 4-5 months of therapy. In other words he didn't really need actual speech therapy before because there was no speech to work with. Anyway short of getting an attorney does anyone have any suggestions how I can 'protest' this rule...Anybody out there work for United Health Care?

enginerd
You had 3 children in speech therapy? Was it a medical issue (hearing loss)? How long did it take before you noticed a difference? Do you think it actually helped..what I mean is do you think their speech got better because they got older...or could you actually tell the therapy helped..

Answer 1

you can write them a letter and try to get them to pay your claims

the bottom line is, you paid for insurance that had those restrictions

if they didn't have restrictions, they would charge more

to get them to pay for something that isn't covered in the package you paid for is unlikely

insurance has limits and none of those limits are "fair"

its not about fair, its about a contract

you pay them a certain amount of money, they provide the promised services

now, if you think they mislead you in some way, and caused you to think you were buying something different than you were getting, THEN you might have something

and finally, I also have United Health Care coverage
if United Health Care pays for services that are not part of the package, then they are raising the cost of my coverage also

I do wish you luck

many places have free speech therapy

three of my children received free speech therapy in public school

perhaps your county or state has programs

Answer 2

You're out of luck. Don't waste your money on an attorney for a losing case. Use it for your son's therapy instead.

Answer 3

I totally agree with Enginerd - he wrote an excellent answer.