Insurance vs. Product Providers
I use to get so frustrated jumping through all the hoops and paperwork insurance requires for even the simplest item. And would get so irritated when insurance would deny things the doctor or therapists said my son needed; then I begin to realize why insurance companies are often reluctant to sign-off on things without first doing an extensive inquiry. I'll give you an example : When my son finally received his wheelchair, a ZippyGS; the company that provided and delivered the wheelchair charged the insurance almost $8,000 for the chair, back and seat cushion. When I looked it up online - if I had ordered it myself it would have only cost $3,700. Over billing is why insurance companies hesitate to just approve whatever items or services are ordered by doctors and therapists. So it's not always the insurance company that is to blame, often it's the providing company over charging is why insurance will deny a request.
Another issue with providing companies is I've noticed they seem to be very slow about delivering items insurance has paid them for. Example: Insurance first denied then finally approved my son's footholders. In fact they paid the providing company for the footholders back on Oct.14th 2018 but the providing company (IOW) didn't deliver them until today!
While I've had issues dealing with insurance delays, I now realize they are not always the problem.