Adding to the Stress

Apologies for posting this in the depression forum. I posed this question in the insurance/finances section, but seeing as how there is very little traffic there, I decided to post it here as well. Hopefully the moderators won't move it.

Has anyone been in the situation where they needed to make changes to their health insurance outside of open enrollment at their workplace? So apparently there are situations called "qualifying events" which allow you do this -- being hospitalized is not one of them.

Since I was in the ER about a month ago, I have been on the hunt for more acute care which would still allow me to carry on at work. It's the one thing that keeps me grounded and I have told this to my doctors multiple times.

I am exhausted and the search is adding to my already unmanageable depression. I finally found a group which does DBT therapy, but they are out-of-network. This is the best I could find, someone who does more than once a week DBT therapy, but also allows me to still go to work. I also found out today that I elected a plan which has zero out-of-network coverage.

I am beyond upset. I went to my HR and the benefits person said she has to ask the Director. From what I see on the internet, you can only make changes for qualifying events (a change in tax status such as marriage, divorce, added dependents, etc.)

If anyone has personal experience with this situation, I would really welcome the input. Or just the encouragement...

I don't have any experience with this but I hope someone else can give you advice and the answer you're looking for. I hope you can resolve this soon!

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Wow, I'm glad I don't have to do the insurance thing. Complicated, and having to find your own care package too. Well done for getting this far, I'm sure I'd have given up at the first hurdle. Good luck with overcoming the next set of problems, I hope you get the treatment you deserve.