Can bcbs of Alabama deny breast cancer treatment?

My mammogram showed I have a mass inside my right breast on 3/7 via diagnostic mammogram which was covered 100%. My oncology radiologist try to biopsy the mass on3/26 but at that point it wasn’t showing on the ultrasound, so he cancelled the biopsy. On 4/23 the breast specialist recommended an mri for diagnostic purposes. They want to make sure that I don’t have cancer.

Bcbs of Alabama denied the MRI saying it is not medically necessary and even if eventually they do pre authorize they are not covering it, I would have to pay out of pocket.

They also said they don’t have to follow my state law (I don’t live in Alabama).

What happens if the state of Alabama changes its laws and decide cancer is not a medical issue but a moral one, like abortion, and insurance companies don’t have to pay for cancer treatments? Their laws are already very different than in my state, which mandates yearly mammograms to be covered. Their law only requires mammograms every2 years. Do I have any legal protections in the event of a cancer diagnosis?

My husband is a federal employee and has geha but I can’t switch until open enrollment in November.

submitted by /u/MrIrrelevant-sf
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