tryingtobestrong
Active Member
Just wondering if anyone had this happen who had a child in rehab. My son decided he wanted to go into a treatment facility again so he made some calls as well as myself. We were told this place was in network with our insurance so since it was rated good and it was a less amount of money we agreed to send him there. The other one was over $23000 for 30 days.
They told me the amount I owed today and I was kind of taken back because we already had met our deductible. I questioned it and was told that every place is different and they take the "out of pocket maximum" for the in network instead of just the normal in network deductible of $2000 per person. (Our out of pocket max in network is $6350- which is supposed to be the deductible and any co-pays) I figured instead of arguing and being told my son isn't welcomed there I would just pay it.
Then tonight I get a paper to sign that is showing $31000.. I immediately called and was told that most insurances won't approve the patient to stay in the program for 30 days and that if they say he isn't approved for more than 10 days than I have to either pay the $1000 a day or remove him and put him in another program? I said when I called the insurance they told me that they will cover him as long as it is medically necessary and I told that to the rehab. I was told they will not lie to the insurance company if he is ready to leave before the 30 days.... Makes no sense since most places will tell you it takes longer than 30 days to get through to them and get a good start.
I am praying he is approved for the full stay.
They told me the amount I owed today and I was kind of taken back because we already had met our deductible. I questioned it and was told that every place is different and they take the "out of pocket maximum" for the in network instead of just the normal in network deductible of $2000 per person. (Our out of pocket max in network is $6350- which is supposed to be the deductible and any co-pays) I figured instead of arguing and being told my son isn't welcomed there I would just pay it.
Then tonight I get a paper to sign that is showing $31000.. I immediately called and was told that most insurances won't approve the patient to stay in the program for 30 days and that if they say he isn't approved for more than 10 days than I have to either pay the $1000 a day or remove him and put him in another program? I said when I called the insurance they told me that they will cover him as long as it is medically necessary and I told that to the rehab. I was told they will not lie to the insurance company if he is ready to leave before the 30 days.... Makes no sense since most places will tell you it takes longer than 30 days to get through to them and get a good start.
I am praying he is approved for the full stay.