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Substance Abuse
Insurance question - Update
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<blockquote data-quote="Goldie" data-source="post: 504399" data-attributes="member: 13756"><p><span style="color: #000000"><span style="font-family: 'arial'">I just checked in here for the first time since last night. Thank you so much for your responses!</span></span><span style="color: #000000"><span style="font-family: 'arial'"></span></span></p><p><span style="color: #000000"><span style="font-family: 'arial'"></span></span></p><p><span style="color: #000000"><span style="font-family: 'arial'">Nancy, it just occurred to me yesterday that we might have a sizable medical deduction on our taxes next year. I pointed that out to my husband, but for some reason, the thought did not excite him! But, hey, whatever helps, financially . . ..</span></span></p><p><span style="color: #000000"><span style="font-family: 'arial'"></span></span></p><p><span style="color: #000000"><span style="font-family: 'arial'"></span></span><span style="color: #000000"><span style="font-family: 'arial'">DDD, I am glad to hear that appealing bought you a few more weeks. It does give me some hope. </span></span></p><p><span style="color: #000000"><span style="font-family: 'arial'"></span></span></p><p><span style="color: #000000"><span style="font-family: 'arial'"></span></span><span style="color: #000000"><span style="font-family: 'arial'">Kathy813 (and the other posters), I appreciate the information about the advantage (scholarships, sliding scales) of not having difficult child on our insurance; that had not occurred to me. I hesitate to do that, though, for a couple reasons. For one, our mental health coverage is usually pretty good. For example, difficult child had a 10-day inpatient stay at a psychiatric hospital last summer, for a major depressive episode with suicidal ideation. The charge was over $7000, but insurance paid every penny of it. We are also reimbursed pretty well for difficult child's out-of-network psychiatrist. It is only now, in rehab, that we are running into a real challenge. </span></span></p><p><span style="color: #000000"><span style="font-family: 'arial'"></span></span></p><p><span style="color: #000000"><span style="font-family: 'arial'"></span></span><span style="color: #000000"><span style="font-family: 'arial'">Another reason I hesitate to drop difficult child from our insurance is the worry about unexpected medical expenses. difficult child himself is a great example of that kind of surprise, as he was born 10 weeks prematurely. (The unexpected cause: my appendix ruptured. Not fun!) He spent four weeks and a day in the NICU, and the cost of that was way, way more than the cost of his current 31-day stay in rehab. We were very relieved that insurance covered everything. (Fyi, he was a trooper, and came home a healthy and happy baby!)</span></span></p><p><span style="color: #000000"><span style="font-family: 'arial'"></span></span></p><p><span style="color: #000000"><span style="font-family: 'arial'"></span></span><span style="color: #000000"><span style="font-family: 'arial'">On the other hand, I can already see that this has the potential to get really, really expensive, especially if the current rehab place recommends (as I expect they will) extended residential rehab. I keep saying to my husband that this had better work, because I can't imagine affording any more rehab after this year! (We did recently receive an inheritance, which helps a lot, but it is still a limited resource.) But I know that relapse is part of recovery, so -- well, we may have to consider the option of dropping him from our insurance at some point, despite my worries about that.</span></span></p><p><span style="color: #000000"><span style="font-family: 'arial'"></span></span></p><p><span style="color: #000000"><span style="font-family: 'arial'"></span></span><span style="color: #000000"><span style="font-family: 'arial'">My husband and I will be going to the rehab facility for four days starting this Saturday, for a family program, and at some point we will be meeting with our financial contact person there, to discuss insurance appeal strategies. Thanks to all your suggestions, I will ask her about scholarships and sliding scale payment arrangements. It may not help us, but it sure can't hurt to ask!</span></span></p><p><span style="color: #000000"><span style="font-family: 'arial'"></span></span></p><p><span style="color: #000000"><span style="font-family: 'arial'"></span></span><span style="color: #000000"><span style="font-family: 'arial'">Thanks again for the feedback and suggestions. I am glad I found this forum!</span></span></p></blockquote><p></p>
[QUOTE="Goldie, post: 504399, member: 13756"] [COLOR=#000000][FONT=arial]I just checked in here for the first time since last night. Thank you so much for your responses![/FONT][/COLOR][COLOR=#000000][FONT=arial] [/FONT][/COLOR] [COLOR=#000000][FONT=arial]Nancy, it just occurred to me yesterday that we might have a sizable medical deduction on our taxes next year. I pointed that out to my husband, but for some reason, the thought did not excite him! But, hey, whatever helps, financially . . ..[/FONT][/COLOR] [COLOR=#000000][FONT=arial] [/FONT][/COLOR][COLOR=#000000][FONT=arial]DDD, I am glad to hear that appealing bought you a few more weeks. It does give me some hope. [/FONT][/COLOR] [COLOR=#000000][FONT=arial] [/FONT][/COLOR][COLOR=#000000][FONT=arial]Kathy813 (and the other posters), I appreciate the information about the advantage (scholarships, sliding scales) of not having difficult child on our insurance; that had not occurred to me. I hesitate to do that, though, for a couple reasons. For one, our mental health coverage is usually pretty good. For example, difficult child had a 10-day inpatient stay at a psychiatric hospital last summer, for a major depressive episode with suicidal ideation. The charge was over $7000, but insurance paid every penny of it. We are also reimbursed pretty well for difficult child's out-of-network psychiatrist. It is only now, in rehab, that we are running into a real challenge. [/FONT][/COLOR] [COLOR=#000000][FONT=arial] [/FONT][/COLOR][COLOR=#000000][FONT=arial]Another reason I hesitate to drop difficult child from our insurance is the worry about unexpected medical expenses. difficult child himself is a great example of that kind of surprise, as he was born 10 weeks prematurely. (The unexpected cause: my appendix ruptured. Not fun!) He spent four weeks and a day in the NICU, and the cost of that was way, way more than the cost of his current 31-day stay in rehab. We were very relieved that insurance covered everything. (Fyi, he was a trooper, and came home a healthy and happy baby!)[/FONT][/COLOR] [COLOR=#000000][FONT=arial] [/FONT][/COLOR][COLOR=#000000][FONT=arial]On the other hand, I can already see that this has the potential to get really, really expensive, especially if the current rehab place recommends (as I expect they will) extended residential rehab. I keep saying to my husband that this had better work, because I can't imagine affording any more rehab after this year! (We did recently receive an inheritance, which helps a lot, but it is still a limited resource.) But I know that relapse is part of recovery, so -- well, we may have to consider the option of dropping him from our insurance at some point, despite my worries about that.[/FONT][/COLOR] [COLOR=#000000][FONT=arial] [/FONT][/COLOR][COLOR=#000000][FONT=arial]My husband and I will be going to the rehab facility for four days starting this Saturday, for a family program, and at some point we will be meeting with our financial contact person there, to discuss insurance appeal strategies. Thanks to all your suggestions, I will ask her about scholarships and sliding scale payment arrangements. It may not help us, but it sure can't hurt to ask![/FONT][/COLOR] [COLOR=#000000][FONT=arial] [/FONT][/COLOR][COLOR=#000000][FONT=arial]Thanks again for the feedback and suggestions. I am glad I found this forum![/FONT][/COLOR] [/QUOTE]
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