Insurance woes affecting well being

emwell · 09:29 AM

I am totally confused on what to do and need to write it out in an attempt to make some sense of it all.

I have had insurance issues since the day I became an adult with my own insurance. Prescription coverage has been such a problem that I am now an expert at fixing this. Well maybe not an expert as in December I discovered I was over charged in November for a new script. I vowed I would not allow this to happen again. It did happen again and now I have a new pharmacy. Mistakes are bound to happen, but 4 in 6 months? And the same mistake over and over again is not acceptable.
Prescription coverage is not what I need to discuss.

I am covered by 3 insurances. They have worked well together for the last 5 years. I have had minimal out of pocket costs. The copays from one insurance are covered by another. I have been grateful as I know that if this was not the case, I would have been unable to afford the therapy and treatments I have received. I am so much better because of this.
The other day I went to my regular therapy appointment. I was informed that I had a $20 copay and it goes back to the first of the year. I did not have $20 so I chose to leave. Although later they said I did not have to pay that day. I owe them a lot of money that I do not have. But that, I could easily work out.

The problem is me. I am unwilling to pay for a mistake that I did not make. It is a mistake. I can't figure out who's mistake it is or how to resolve it. I have been dealing with newer insurance miscommunications since August. I keep getting told "it is all fixed and we apologize for the inconvenience" or "you need to talk to them as we can't fix it" or " we don't do that. The doctor will have to submit it to all insurances again." and on and on it goes.
The only change in insurance was effective December 1, 2015. This change did not affect coverage.
Had I been aware that I was going to be responsible for copays all of a sudden, I would have done things different. I would have seen T less and dealt with that. If I am now responsible for copays with my Therapist and Psychiatrist, why am I not with my regular Doctors? Why, all of a sudden are my copays not covered? If I had received an explanation prior to learning this copay crap, I would feel different. If something changed, I should have been informed. If I had been informed with an explanation, I would fee different about this all. Yes, it is the principle of the thing.

I have 2 options dueling in my head right now.

Do I suck it up, give in, and pay a bill I am not responsible for in order to continue therapy and meds?
Do I look at it another way and accept that maybe this is meant to be. Maybe I have learned what I need to learn and no longer need the help of a therapist?

I do know one thing for sure. I need my medication. I have not had a major depressive episode in a long time (although I do sense one starting). The medication I take has been doing a fine job helping me deal with OCD. Although recently it has been a bit harder. My primary Care Doc might be willing to help out with the medication, but she would rather I be under the care of a psychiatrist.

If anyone has experience, insight, thoughts, etc. I would appreciate hearing from you. I have more to add, but need to stop so I can go kill zombies. Killing zombies is a great distraction and I feel better when done.

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Insurance woes affecting well being

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