Who Decides on the Medical Treatment and Diagnostic Testing?
Only a qualified physician can decide on the Medical Treatment
and Diagnostic Testing that you should undergo.
Therefore, you will rely on your treating physician although your insurance company may require a "pre-certification" which requires your doctor to request authorization from the insurance company before rendering any medical treatment or administering any diagnostic tests.
Of course, the choice of treatment should be the responsibility of your doctor, not the insurance companies so it is important to select an insurance company that does not require pre-certification.
Ultimately, however, your physician will decide on the proper course of treatment and testing for you.
If your insurance company refuses to pay any of your doctor's bills then your attorney may file for arbitration with the
American Arbitration Association.