[Eva1nder]

I've been struggling over the past few weeks...my old T felt like I should be in a hospital, but I haven't been in one now for almost 10yrs.

The more I'm thinking about it and time is passing deep down I know I should probably be in one. My big problem was my son (he's 11). I don't want to let my ex know that I'm going there. He takes him 2x a week and every other weekend. I'm close w/my family, but they don't know what's going on really.

If I had to I guess I would go to them. It would be extremely hard, but I was getting to that point.

Yesterday, I found a great program in ny that is new and is specifically for my type of problem. I called the insurance company and they are not a participant. Here is the kicker though. They will cover 50%.

I was like huh. I was under this false assumption that I would be covered in network 100% for so many days and out of network 80%. No it's 50% out of network and 80% in network.

The man on the phone was very nice and he could tell in my voice I needed to get off the phone very quickly. I thanked him. He asked me if I was ok....said yes...thanks again.

i feel devasted. I can't even afford help.

I can't even tell you how badly I was feeling before all this and now this... I don't know

Just don't know what I'm going to do....

[Wants2Fly]

Hi Eva --

I feel for you. I was in a similar boat this summer. My insurance would have paid for some pittance out of system -- less than 50%.

No insurance of money, no help. It's a great system we have here in the U.S. Imagine if your kid needed surgery or treatment to stay alive & insurance wouldn't pay.

[Eva1nder]

Thnx Wants2

The problem is I think I'm making light of the issue...and I don't want to go against the guidlines here either, but I am having great difficulty with si as well as it's getting more violent along w/hopelessness at it's worse...there being the need for hospitalization.

I understand what you mean as far as no insurance or little insurance for a child. I went through that a few times for my son for many different surgeries he had had.

[SpazKatt]

I'm sorry *HUGS*

[Leslie]

Dear Eva,

I remember making a call about my insurance several years back when my depression was really bad. I had no coverage. I remember crying on the phone, but I need help now. Well I didnt get help then and after about 6 months I had no choise but to go into the hospital, which cost me over 20,000 dollars . If I only had gotten help sooner , I probably wouldn't ended up getting that bad. Now I have insurance but I will be paying that 20,000 dollar bill for a very long time.

Take care,
Leslie

I'm so sorry that you're having a hard time...I hope you find the help that you want and need. Pat

[Eva1nder]

Ty Spaz, Leslie, Pat

Leslie...I already am in major debt for health bills. I cannot afford to go in any further. Thats one of the reasons I had to leave my therapist.

[jmo531]

Eva,

I understand all to well about the insurance system and how they work. That is what I do for a living. I find it completly unacceptable (to say the least) how the insurance companies make theor medical policies to cut cost. That is the bottom line. Cutting costs at the patients/members expense.
The cost of healthcare is rising yearly but the quality of care for patients is getting lower every year. Patients like to balme the doctors for this but that is not the problem. The doctors collect a small fee for every service they perform. The doctors never receive 100% of the charge. They barely receive 30 -40 %. The insurance companies pocket this money. The big wigs at the insurance companies are the ones who pocket your premiums. We pay so much for healthcare these days but we don't get half the care we deserve.
I think that it would be easier to treat a problem, or preventive care, rather then wait until the problem gets out of control and the cost of treatment is outragious. The insurance companies dont see it that way. They want to set limitations on the individuals policy so their "out of pocket" expense is very low. Another reason healthcare is so darn expensive it because , well let me explain it this way.......
Pretend there is an employer who employs 100 people and all 100 people receive the health insurance at this job. All 100 people pay premiums every months. that money from all the employees go's into a "pot". While the money sits in that pot the insurance company earns interest off of that money. Once an employee seeks medical services the payment comes out of that pot. Now, some people are healthier then others so they dont go to the DR as much. But for those that receive medical care routinely are constantly taking the money out of the pot until there is no money left. This leave a definciency in the pot, so when the next benefit year comes around, the cost of your premiums go's up.
OK OK OK

Im off topic I know.

What I wanted to say, is i understand. Totally. It is so frustrating for people who really need help. Maybe you could try your local social services to see what kind of programs they can offer you at a reduced or fee rate. I am so sorry your going through this, it is the last thing you need right now.
I had a similar problem late last year and I know how horrible it can be.
Please take care of your self and check out Social Services in your area. They really do have wonderful programs.

Luv,

Jen

[Eva1nder]

ty so much for your response jmo...I appreciate it very much. I actually do understand this very much as I've had this conversation with a few doctors about this.

Here is the problem. This particular program is not offered widely here. This hospital is the only one in the area. In fact the insurance person was so helpful and he could see it for himself what type of program and that it wasnt offered anywhere else. My local social services wouldn't be of any real help. I've been in those hospitals and they weren't of any help really. This is a program that rehabilitates ppl with bbd with DBT.

Anyways, I appreciate your input ...thank you

[mortimer]

It's not fair at all. *hug* I'm sorry. :< I hope you can figure out what to do, that sucks butt.

Some T's accept some cases that pay little, so have you looked around for them? I don't know how to help, sorry. TT_TT

Eva, I'm so very sorry that you're having to deal with this. I've had my own crappy dealings with insurance. It seems to me that more often than not mental health seems to be left out. I've had policies that covered everything from GP's to acupuncture but nothing in the way of mental health. It's maddening to know that everything comes down to money and if you ain't got it then screw you. Jeeze I wish I knew what to say that might offer some comfort. All I can offer is a ((((((((((Eva)))))))))). Not much help, I know, but it's all I got.

Ry

[Eva1nder]

Ty (((((Mortimer))))))

[Eva1nder]

Ty (((Ryan))))yup well said...it's maddening to know if you ain't got it screw you ...especially when it's really in time of need...Thnx for the hugs tho it helps

[kimmydawn]

(((((((((((((((((( eva ))))))))))))))))))))))))

i'm so sorry. have you contacted the facility to see if they'll take payment from the insurance as payment in full? they sometimes do that. aslo, they might have programs that could assist you with the 50% balance. please give them a call to see? explore all your potential options on this one.

gl, dear

[January]

Eva,

I had to be in the hospital and had only medicare. It didn't cover all the expenses. The accounts person told me that by law, they must take payments, even if it's $10/month. I made $10 payments for months and months, but they couldn't say a word.

I know you have other medical bills and perhaps you can call the accounts dept and lower your bills so you can afford to make payments overall. That would allow you to have the treatment you need.

I hope this helps at least a little bit.

Jan

[Eva1nder]

Ty ((((kimmy)))) & ((((January))))

Those are both good ideas.

Kimmy I'll try to do that...but maybe next week after my other doctors appt. I just don't think I can handle anymore bad news right now.

January I think I'll do the same as I'm already overloaded with so many medical bills coming in as it is. I just need to "procrastinate" a lil more out of self protection really.

Hopefully this weekend/next week I'll feel better about things. I hope.

Thank you so much for your support tho.

Eva

[sherry13]

to my friend and great support i have found here...you know i wish you and your son the best in everything you do..i know these are trying times right now but the bottom line is despite finances you need to get healthy..no matter what the cost..one thing these hosplials cant do is refuse medical treatments..cuz we all have the right to care..i guess the only advice i to would have is to set up any payment arrangement you can for whatever your insurance doesnt cover..seek any outside agencys there is to help for emergency medical treament..maybe once you are in the hospital and being a single mom someone through social services at the hospital can direct you..i think it really stinks not only do we have to sturggle with the issues we have but when will this country see that mental illness needs coverage...finaces add to depression ..i understand that but they cant get blood froma rock...set up payments arrangements for the balance....forget the finaces as hard as it is...and get healthy...we love you!!!!!!!