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Wednesday, January 20, 2016

My Little Cricket’s Delay: Insurance Sucks, and Other Stuff that Makes Me Cry

I have been working with our insurance company trying to get certain services covered and make sure I know the ins and outs of what our plan does and doesn’t cover. I have done tons of works, spent so many hours on the phone with them, read long insurance documents, filed for coverage and started several appeals for things that were denied… and then this week my husband’s work decided to change insurance companies.

AND I CRIED.

Now I have to learn a whole new system. Re-figure out all the stuff I just learned and navigate another minefield. This wouldn’t be as horrible if I wasn’t dealing with an onslaught of doctors, diagnosis’s, emotions and so much more. To make matters way worse this particular new insurance doesn’t even allow you to talk with them; instead we have to go through a middle company. They are lovely and polite but for every question I ask they have to ‘consult with their team and get back to me’. It is so completely maddening.

I am learning about codes, I am learning to get letters of recommendation, letters that state that what we need is medically necessary. I am learning about hours and maximum limits and in and out of network.

It’s all so confusing. It’s all so expensive.

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AN ESTIMATE AS OF NOW – I STILL AM WORKING ON FIGURING OUT HOW MUCH INSURANCE WILL COVER

It’s all so unfair. I am already beat down and destroyed from everything happening. To have to tackle the insurance and financial side of this as well is horrendous.

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