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Kate,
Yes, as long as you have no "gap" in insurance coverage, you cannot be denied. Having said that, they can charge exhorbitant amounts if they choose. I'm not worried about continuous coverage, just the fact that they can change their approval process. With AETNA PPO (not a HMO), I could go to any doc and get any test. Now with AETNA POS (still not a HMO), I must get approval for every test. This is where the request for the spine CT got denied. BUT, yesterday, my clinic called to say that they had pushed for it, and it's now been APPROVED. I guess my clinic loves me, they really love me (to paraphrase Sally Fields)!
Love and light,
Lisa
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