Spent $340 on an MRI my adjuster swore I would not need, now the QME is saying something different
My workers comp adjuster told me in writing back in August that an MRI was not medically needed for my back strain, so I paid cash at a clinic in Stockton because I could not wait anymore for answers. The QME looked at that same scan last Tuesday and said the disc issue was clear as day and asked why nobody ordered imaging earlier, and I just sat there stunned. Has anyone here actually gotten reimbursed for imaging they paid for themselves after the carrier denied it first?
My own adjuster told me the same thing years ago and I believed him like a dummy, so you are already smarter than me for just paying for it yourself. Getting that money back from a carrier is a whole mess though, usually you have to file for a lien or bring it up at the QME level and hope the judge sees it your way. The written denial in August is your best friend here, keep that paper like it is gold. It is wild that a doc can look at the same scan and say it is clear as day while the adjuster acts like you made it up. Wish I had a magic answer for the cash part but at least now you have proof they dropped the ball.