Quote:
Originally Posted by ElectricManatee
Kit, that seems like kind of a problem. Do you have to meet a deductible every year? Like, pay full price for things before insurance starts kicking in money too? If you do and she isn't filing things properly with your insurance company, none of what you pay her will be counted toward your deductible. You'd basically be paying her cash out of pocket.
Paying co-pays after you met your out of pocket max is bad, but not having things count toward your deductible might be worse...
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I don't have to meet a deductible (I pay for the highest/best insurance my work offers which is a platinum plan). It doesn't have a deductible but my therapy sessions won't count towards my out of pocket maximum unless she submits the bills properly. Usually I hit that in August or September and then have a couple of months free where I don't have to pay for my medications. This year 2020, I hit it in January because I got put into the psych ward. Between that, the regular ER and the ambulance ride between the two I met my out of pocket maximum so I haven't had to pay for prescriptions this whole year. But this system only works for me if she does the leg work and submits the claims to the correct department. It doesn't work for her either unless she does it right. She's been living on the copays instead of the copays PLUS the insurance reimbursement.
Makes me think stopdog is right about therapists and math.
I give up trying to help her. I've given her the phone number twice and told her the name of the mental health arm of the insurance company twice. Hopeless.