Health Insurance for TMJ Question
I would like to know if anyone has had success getting coverage for TMJ. It is of interest to know the state and company, or intials of company if the board rules do not allow.
I personally live in NY and have so far had great difficulty getting anywhere with my MVP insurance company. They say it is dental. The dental insurance says it is medical, but they cover an intial consult.
Also, apparently in NY the laws are such that lawsuits against insurance companies can not include coverage payment of legal services or punitive damages, so the insurance companies have free reign. Even if you would win a lawsuit, you would be out the legal fees, time, and suffering.
I would like to know if other states are different, and if TMJ coverage is mandatory and normal.
I'd love to hear any stories in which coverage was granted.