Guest guest Posted May 5, 2002 Report Share Posted May 5, 2002 My son (5 months tommorow) will be casted and fitted for a locally made helmet this coming Thursday. The insurance people at the hospital told us that our insurance (Mutual of Omaha) just recently changed their policy and will not longer pay for helmeting because they consider it a cosmetic issue. I found this site (which is WONDERFUL) and have been encouraged by all the appeals and wins against the insurance company so we are planning to fight!!! My question is do we need to wait until we get a decline letter before getting his helmet? I think I read an earlier e-mail that if we don't wait then the insurance company can come back on us and say we started treatment without authorization. Do we have to wait until they decline us and we win an appeal before we can start? I really don't want to put off getting his helmet...from everything I read the sooner you start the better! I don't know how good of a chance we have either because the doctor told us if we decided not to helmet they would support that decision as well. The said it basically is a cosmetic issue because his brain growth will still be the same. Can you win without doctor support saying it is a medical necessity? Amy (mom of ) Nebraska Quote Link to comment Share on other sites More sharing options...
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