Posted by Racer on December 17, 2005, at 22:15:15
In reply to Re: number of appointments, posted by tarabara on December 17, 2005, at 21:58:05
Our insurance is actually pretty good, compared to a lot of other plans, and I live in a state with mental health parity laws.
Insurance covers 50 visits a year, which I believe covers both T and pdoc, which means that some of the years we have to pay out of pocket. Of course, neither my T nor pdoc take insurance, so we have to pay out of pocket and then get reimbursed. I don't know the deductible, which I'm ashamed to admit.
What I do know is that when we submit the claims, the insurance covers a different amount each time, and not much. So, it's a major drain on us, financially, at a time when I haven't worked at all for over two years. And I know that I can barely function at all even with therapy, so without is not an option.
Thankfully, my husband is very supportive, despite what this whole thing does to us financially, AND how difficult it is to be around me these days. Between the fertility stuff -- apparently testing is covered, even though treating ain't -- and the sludge being dredged up in therapy right now, I'm not exactly a bundle of fun.
For me, right now, therapy is not optional, so if insurance went away I would be up that foul creek without paddle OR canoe. I wish you the very best of luck, and hope that your T can help you find a way to continue. I agree with everyone who said above that it won't be this expensive forever.
Good luck.
poster:Racer
thread:589672
URL: http://www.dr-bob.org/babble/psycho/20051216/msgs/589906.html