S
SpringRain
Sorry - I'm venting. I found out yesterday what probably most of you already know - the limits of my health insurance as far as therapy goes. One provider was REALLY slow billing for last August so I've just found out my therapy limit was reached in August - can't wait to get the bill for everything after that from last year. I have a limit of 20 visits per calendar year - didn't read the small print. I actually called them before starting therapy to check on my coverage and they just told me I would pay 20% after reaching my deductable (which is high.) No mention of limits to the amount of visits.
20 visits per calendar year - I understand this is pretty typical - but I have severe PTSD. I talked to the person at my insurance company yesterday and explained I have a medical diagnosis of severe PTSD and my psychiatrist (or ex-psychiatrist since I can't afford her anymore) and my therapist can provide supporting documents if needed since 20 visits per calendar year doesn't begin to treat my condition. Her answer? "Oh, you can have more therapy, we just won't pay for it." I get it, I do, it's "in the rules," but that just sounded flip to me - or maybe I was just steamed by that point.
She did mention this was for outpatient treatment. I wanted to be flip back and ask her if she'd pay for more if I moved in with my T. I wasn't flip. I didn't ask.
I also figured out that starting this year with a new deductable my 20 visits wouldn't reach the deductable limit and so I would reach the limit of visits and my insurance still wouldn't have paid a penny in therapy benefits!
I get it. PTSD isn't thought of by insurance companies in the same way as those of us who are sufferers or carers. I know I'm slow understanding this - what most of you probably already know. It just ticked me off, that's all. Sorry, vent over.
- Rain
20 visits per calendar year - I understand this is pretty typical - but I have severe PTSD. I talked to the person at my insurance company yesterday and explained I have a medical diagnosis of severe PTSD and my psychiatrist (or ex-psychiatrist since I can't afford her anymore) and my therapist can provide supporting documents if needed since 20 visits per calendar year doesn't begin to treat my condition. Her answer? "Oh, you can have more therapy, we just won't pay for it." I get it, I do, it's "in the rules," but that just sounded flip to me - or maybe I was just steamed by that point.
She did mention this was for outpatient treatment. I wanted to be flip back and ask her if she'd pay for more if I moved in with my T. I wasn't flip. I didn't ask.
I also figured out that starting this year with a new deductable my 20 visits wouldn't reach the deductable limit and so I would reach the limit of visits and my insurance still wouldn't have paid a penny in therapy benefits!
I get it. PTSD isn't thought of by insurance companies in the same way as those of us who are sufferers or carers. I know I'm slow understanding this - what most of you probably already know. It just ticked me off, that's all. Sorry, vent over.
- Rain
