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Sweetlove · Mar 19, 2011, 05:55 PM

If anyone remembers my insurance issue, I just got the letter from MassHealth saying I've been denied for coverage. I get nothing because I am currently getting insurance from my school.

I'm devestated and I haven't stoped crying...my mom told me to "snap out of it" and I'm "making a huge deal out of nothing". She also said I'm going to give myself a nervous breakdown...I think she's right. I just can't take anymore bad news...

I'm done with therapy obviously. Letting my mom pay for a little while was fine, yes I deserved it and needed it. However, letting her pay forever or until I don't need it anymore, makes me feel like I need to hurry up and solve my problems quick.

I haven't decided when to tell my T. I don't want to call him over the weekend..it's not a "clinical emergency", but I don't know if I'm going to my appointment next Friday. I'll probably just call him at the office next week sometime. It may just be easier to say goodbye over the phone, it tends to get too messy in person.

Anyway, I just wanted to post an update since everyone was so helpful and kind with my ongoing insurance issues...I truly appreciated everything that was said. You all have helped me more than you will ever know. Love to you all.

lastyearisblank · Mar 19, 2011, 06:00 PM

I'm really sorry ((((((((((Sweetlove)))))))))) Sorry you got denied and that your mother said those things you REALLY don't need to hear right now

Can you call him about it? There's honestly nothing to lose from trying if you already decided to stop. I would just call him.

ECHOES · Mar 19, 2011, 06:11 PM

Talk to your mom again. Last time, she wanted you to keep going. Maybe you could work during the summer and use that income for sessions for the rest of the year, or something like that. Talk to your T also on Friday, if you can keep that appointment. Or, call him before Friday and talk to him briefly, then talk to him more on Friday.

karebear1 · Mar 19, 2011, 06:19 PM

So sorry SL- this really is difficult news to hear. Can T lower his fees for you?

Mar 19, 2011, 07:29 PM

((((((((((Sweetlove))))))))))))))

I so hope you, T, and your mom can work something out.

WePow · Mar 19, 2011, 07:38 PM

TONS of hugs for you!!!!

SpiritRunner · Mar 19, 2011, 08:00 PM

I'm sorry!

And it isn't making a huge deal out of nothing to feel upset about it, not at all! It's OK to take a little time to feel sad about it ending. I wish something could be worked out for you, too.

rhcpchance · Mar 19, 2011, 08:25 PM

I'm so sorry, Sweetlove.

Sweetlove · Mar 19, 2011, 09:54 PM

Quote:

Originally Posted by lastyearisblank

I'm really sorry ((((((((((Sweetlove)))))))))) Sorry you got denied and that your mother said those things you REALLY don't need to hear right now

Can you call him about it? There's honestly nothing to lose from trying if you already decided to stop. I would just call him.

Thanks, I think I'm going to call him in a few days.

Quote:

Originally Posted by karebear1

So sorry SL- this really is difficult news to hear. Can T lower his fees for you?

He said he could a couple of months ago when this whole thing started, but then when I told him my mom was going to pay for it, he never brought it up again. When I mentioned it a coupe of weeks ago, he said something like "I would have to get it approved, and it would have to be financially appropriate"...in other words, I need to let him know how broke I am. He's in a practice with other therapists so I don't think he has the authority to make that call.

Can't Stop Crying · Mar 20, 2011, 03:43 AM

I would still at least inquire about a sliding scale...circumstances have changes since you last talked about it. I had a T lower fees for me when I lost my insurance...she just charged me what my co-pay would've been. She also worked in a group. I just had to tell them why I had a financial need and losing insurance was enough to get it approved. I hope something works out for you.

WikidPissah · Mar 20, 2011, 07:30 AM

(((sl))) I'm sorry you have this added stress right now, it sounds really painful. I just wanted to share a few things:

When my daughter was in college I did everything I could to pay for her counseling expenses. I didn't mind, and I didn't keep track. Mom's sometimes just need to do things like that. Maybe your mom doesn't mind footing the bill for a while (at least until you can do it yourself)

If your mom isn't like that then, I know this sounds awful and I wouldn't want to do it....maybe you can find a clinic that offers free therapy? In MA we have a right to treatment, there are clinics all over the place that can help...maybe call your local hospital to find one???

sunrise · Mar 20, 2011, 12:06 PM

Sweetlove, I remember from another thread that you had 24 sessions a year allowed on your insurance. Could you try to parse those out to make them last longer? Maybe go every other week? Or have you used them up for this year? My first T said she sometimes made things work for clients by allowing them to use their limited sessions (for me it was 20) throughout the year instead of all at once. And in between, giving a reduced rate for a session. Maybe your T could do that. I hope you can just lay it all out for your T and see what he can come up with. If he knows you still have some of your 24 left (if that is true), it might make it more doable for him. I'm sorry your mom wasn't more supportive.

Mar 20, 2011, 05:59 PM

Sweetlove, I'm sorry, I know how devastating this can feel.

I'm confused by your mother's response as I thought she was supportive of you seeing T. Did she mean it's not a tragedy to lose your coverage because she'll pay? Or that it's not a tragedy not to be able to see T?

If your mother is willing to pay, perhaps you could address your feelings of guilt and pressure with T (and your mom) and find a way to accept her offer?

I really hope T and your mom can help you out

Sweetlove · Mar 21, 2011, 12:10 AM

Quote:

Originally Posted by WikidPissah

Maybe your mom doesn't mind footing the bill for a while (at least until you can do it yourself)

If your mom isn't like that then, I know this sounds awful and I wouldn't want to do it....maybe you can find a clinic that offers free therapy? In MA we have a right to treatment, there are clinics all over the place that can help...maybe call your local hospital to find one???

She doesn't mind now but I don't know how long that will last, it is me that minds and she doesn't understand why I'm making a big deal out of if. Thank you for the info about the free clinics...I have access to free counseling at my school but I'm not crazy about the guy I saw and now Im so attached to my T. I have to consider other options though.

Quote:

Originally Posted by sunrise

Sweetlove, I remember from another thread that you had 24 sessions a year allowed on your insurance. Could you try to parse those out to make them last longer? Maybe go every other week? Or have you used them up for this year?

Yes, I have used them all up for the year. The policy doesn't start again until August. It seems like such a long time to be paying out of pocket.

Quote:

Originally Posted by Improving

I'm confused by your mother's response as I thought she was supportive of you seeing T. Did she mean it's not a tragedy to lose your coverage because she'll pay? Or that it's not a tragedy not to be able to see T?

If your mother is willing to pay, perhaps you could address your feelings of guilt and pressure with T (and your mom) and find a way to accept her offer?

She was saying that I was making a big deal about not getting coverage because she would take care of it. It's not ALL about the money, it is also what I've experienced in the past with people doing favors for me...lots of issues I have with having her pay for it for a long time.

Yes, I have been addressing the guilt issues, which is the main reason I am having so much trouble with this...it goes WAY back. I am going to talk to my T this week though..thank you.

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