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 treatment.......it's positively MADDENING to have to fight these stupid battles at the same time.