I don't believe that insurance companies have any particular interest in you using services that they will have to pay for. Many insurance companies can't establish networks in many areas because they are not willing to pay anything close to what would be a UCR for the service. It is one of the most horrible aspects of our mental health "system." Good luck navigating it, I hope you have better success than I.
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Originally Posted by Martina
I got a new job - which I'm GREATFUL for - don't get me wrong. But the insurance that came with it has been anything BUT a benefit.
My psych nurse - and all psych nurses, for that matter, are not in-network. But they allowed me to see her out-of-network and just pay 100% while I was meeting my deductible - no difference anyways while meeting deductible.
When I talked to the insurance behavioral health people in April, they gave me the name of a psychiatrist who WAS in-network.
I just called today to get pre-authorized to get an appointment with him.
Guess what. The lady on the phone today tells me......HE'S NOT IN-NETWORK. And she's not even sure if there IS a psychiatrist in my town that is in network. Period.
She'll have to check on it and "call me back later."
Why is it so much of a mess every time I try to get help for this illness? And never for medical? When I very first tried to get help for my mental crap back in 2006, I went through so much $#%&)# it was unbearable, from the insurance company, from the bad therapists, it was insane. How do they expect you to get help when you have to jump through so many hoops just to get it?
Oh, and that's just for the meds. They're forcing me to split meds from therapy. I then called my EAP people (Employee Assistance Program) - a totally different company - and they sent me to VOICEMAIL. At 11:30 in the morning on a Tuesday!! Lovely. At least they assessed me first and I wasn't in crisis. But still.
Any of you had issues with insurance?
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