We have BCBS PPO of California. We had a nightmare with PT for my husband. He had PT earlier in the year, but he didn't get an accurate diagnosis until much later. When he was sent to PT to work on the actual problem, BCBS denied it for too many PT visits in one year. We've gone through all the appeals and they refused to pay. Also, on the second round, they counted every 15 minute increment as one visit! Now we're on the hook for $800 worth of PT.

So, make sure you know how many visits you're entitled to and how to get them *before* you make the visits.

Karen