Quote:
Originally Posted by Speed3
Well, just my luck !
The Psyc unit does not take my insurance, neither does the PDOC who does the ECT.
We have MLH BC/BL personal choice, MLH is made up of 4 suburban hospitals, which are all owned by Thomas Jefferson University Hospital in Philadelphia. All the suburban hospitals are covered. What I found out yesterday is only some departments at Jefferson take the MLH insurance, the Psyc unit does not. The doc that does the ECT does not take MLH insurance.
There is one Psyc unit at one of the MLH hospitals. This is where I go, and it is covered 100 %. Only thing is they don't do ECT.
So there is no where I can go where my insurance will cover ECT treatments. Having just paid 20,000 for my sons funeral, our savings are dry. I can't afford the high out of network deductible and 30% co payments.
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Because your insurance company doesn't have a facility that does ECT treatment (which I am assuming is covered by your insurance), it may be they will have to find a way to cover the treatment at the out-of-network facility with the in network benefits. I'd be getting on the phone with your employer's (I"m assuming your insurance is through work) liason for the insurance company and get them to fight to get the ECT covered. If this if private insurance, I'm not sure what the protocol is for fighting these kind of issues, but there may be one. We've come up against similar problems with doctors/hospitals for my husbands' medical issues, but because our insurance is through our employer, they have always gone to battle for us and found a way to work it out with insurance making special arrangements as we had no in network options.
Ugh. So frustrating to run in to so many barriers to getting help. I am so sorry this is so difficult.