Posted by special_k on March 31, 2006, at 21:56:04
In reply to Re: I need to do something... » special_k, posted by Racer on March 31, 2006, at 21:35:12
>Dunno if it's like that upside down :^)
um. they say 'no pre-existing conditions for the first year' and then they have exceptions... The exception seems to be psych conditions. But there they go the other way... ALL psych conditions count as pre-existing in the first year. I'll have to check re: meds...
But they said no hospitalisations for psych conditions in the first year (they seem to want to avoid someone say with schizophrenia getting a hospitalisation for say a psychotic episode - which strictly speaking would count as a seperate condition hence not pre-existing)
!!!
I think 'life threatening pre-existings' like... diabetes treatment actually is covered...
I'm not toooo sure. Health insurance doesn't subsidise anything available over the counter either. So anti inflammateries are available over the counter, as are cold and flu tablets, as is hayfeaver medication, as is asprin, as is... most things really. sigh
And I pay first $30 on each script...
Then they pay between $30-$50...
Then I pay anything over $50...So the insurance isn't worth sh*t really...
Just emergency ambulance and hospital (not psychiatric in first year) really...
Sigh.
> do try the university center, and see what they can offer. You're in a bad way right now, and that's coloring everything for you -- it certainly does for me, and I'm sure most all of the people here at one time or another. Even if it looks to you right now as though there's nothing they can do for you, that's just not true. Maybe they can help you there, maybe they can help you find treatment elsewhere, and there is a point to therapy. It can help, and it can help a lot.
Yeah. Okay. ((((Racer)))) thank you.
poster:special_k
thread:626962
URL: http://www.dr-bob.org/babble/psycho/20060325/msgs/627329.html