Thursday, April 28, 2011

And the insurance battle begins......

Before I started treatment, I made SURE to get all my ducks in a row regarding my insurance coverage.  I'd read enough to know that the assholes in charge of deciding what gets paid for on a health plan do NOT like paying for mental health related treatment.  You know, because ultimately they'd prefer to save money over people being healthy.  Obnoxious.

Anyway, I called.  I asked very specific questions.  I was told everything the program deemed "clinically necessary" would be covered 80/20.  I filled out all my paperwork correctly to make sure that happened.

Yeah, you know where this is going.

I got my first pack of EOBs.  ALWAYS READ YOUR EOBS PEOPLE!!  This is the way you find mistakes.  And this packet was FILLED with them according to what I had been told my benefits would be.

Several phone calls later, I still have no idea what will ultimately be covered.  We are SUPER lucky in that the hubby's a higher up management-type who has a super on top of it HR person.  The HR guy will take care of the confusion.  I totally trust that.  I'm not so sure what the $$ situation will be.  WHich totally sucks.

I can't even get into all the details of what a clusterf^$! this is......I just have to keep faith that it will all work out.  And, ultimately, if it doesn't, I'm staying in treatment and will have to find a way to make it work.

Who knew when I started this process that there would be so many obstacles??!  It's hard ENOUGH to be in's positively MADDENING to have to fight these stupid battles at the same time.

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