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If you have dislocated you shoulder more than once in the past then you'll need surgery. If you're having dislocating problems I'd pay outta pocket for the MRI's. If they end up doing the surgeries then I'm sure they will eventually comp you for it, although every Ins. company I've had (anthem and Kaiser) have been complete scum and will do anything to get out of paying....really pretty sad. Just be diligent with the paperwork and jumping through their hoops, eventually they will have to pay or face a bad faith lawsuit.
Having had extensive shoulder surgeries in the past, and one recently I can safely say that the doc's don't know sh!t until they do the MRI...after a year or so of being past around my sports doctors telling me to "rest it" and getting shots I finally figured out that my PPO ins allowed me to get an MRI without a doctors request.
After bringing the MRI's to one of the better doc's, he said something about looking like Evel Knienevil's shoulder and I was under the knife with-in a month. My shoulder is much better than before....almost 100%.
FYI: the shoulder MRI cost to the Ins. company was under $600
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