I need to scream into the void.
22:02
My son was raped.
He was four. At daycare.
It wasn’t their fault.
Another child pulled him into the bathroom; personnel caught them. The attack was brief but significant. He went to the hospital.
I couldn’t press charges. The kid was too young.
CPS cleared the daycare.
They tell me the other kid is “doing much better” but they can’t tell me more, cause of privacy.
CPS paid for 4 therapy sessions for my kid, none for me. It was COVID, so they were video sessions.
He was 4, with a speech delay.
Doing video counseling.
29:47
My son was raped.
So I call our insurance.
*“I can give you a list of providers!”*
Oh, good. He can get help. I look all of them up. Autism therapy, nope. Only treat 7 and older, nope. Apparently, it’s called “Play Therapy”, that I need. I call back and ask.
*“We might not cover that. Let me transfer you.”*
*“I’ll get you a list of providers.”*
Oh, ok. I just had the wrong person.
It’s the same list.
*“Have you checked our website?”*
I finally find someone. One person. I’ve called 80+.
*”Please wait!”*
*“Oh, no, you need a psychiatric diagnosis before you get therapy.”*
“It’s for my son.”
*“Oh, I’m sorry. He needs a psychiatric diagnosis before he gets therapy.”*
*“Ok, I’m diagnosing him with ADHD and PTSD. I can prescribe Lithium.”*
“I don’t want medicine, I want him to get help.”
*“Oh. Ok. We can schedule you for telehealth in 4-6 months.”*
“He’s 4! Y’all agreed telehealth wouldn’t work, he can’t do it.”
*“He can’t do it or you can’t do it? We only do telehealth.”*
I’m pregnant. He’s started to act out. Hit me, punch holes in the walls. I know that he doesn’t mean to cause harm. It’s starting to get bad. We pay for sessions, when we can afford it. But I’m on bedrest. It’s $200 each time. They want him coming twice a week.
37:43
My son was raped.
*”Your phone call is very important to us.”*
*”Ok, you’ll need a preauthorization for an out of network provider or a service not otherwise covered. Where do you lived? Have you called all the providers? I’m showing 2,000 therapists within a 150 mile radius.”*
I glance at the list. Many are marriage counselors. Is this the right list?
*”Well, they say marriage AND FAMILY, have you checked?”*
I start in, dutifully, on my homework.
44:03
My son was raped.
I don’t know how many phone calls I’ve made.
*”We can get you a member advocate! They can guide you through the process.”*
Oh, good. He can get help. We talk once a week as I try to find care.
He acts out pretty badly. He can’t go to daycare anymore. Hits his head against the wall in Sunday School. Won’t separate from me. Hes afraid the shadows will get him.
I eventually accept that insurance will not help us.
*”This call may be monitored or recorded for quality.”*
But it’s shameful. It’s not my story to tell.
I can’t tell people what happened to him.
55:49
My son was raped.
*“Welcome to $$$$$!”*
Maybe this insurance will be better. I checked all the documents really carefully when signing up. It’s a PPO. Any provider. No hassle. No referrals. No Lithium. Oh, yeah. They still call every month. Ask if I think he should be on Lithium. Insurance covers Lithium.
Daycare will take him back if he’s medicated.
School won’t accept him if he isn’t.
*”Oh, it’s PPO for medical. Mental health is different. Let me transfer you.”*
*”Ok, I can give you a list of providers.”*
So it begins.
*”At $$$$$, people come first.”*
They only take over 6 years old. They only do autism. They’re marriage counselors, why am I calling? I just have to confirm. Thanks.
Every time I call the insurance, I’m on hold a lot. I’m transferred a lot. 40 minutes, 90 minutes, 70 minutes… how many days have I wasted, on the phone with them? How many nights have I not slept, lying awake?
This insurance has a member advocate, too.
*”Well, do you let him watch YouTube? A lot of problems stem from kids and YouTube.”*
71:32
My son was raped.
He turns six.
*”Well have you checked back with the providers who work with six and up? Have you asked if anyone will take you on for free? Because this is a pre-existing condition. I show he has PTSD and ADHD before this insurance took effect? Also, is the PTSD from an event? Is the other party liable? Cause we don’t cover when there’s an at-fault party. You’d have to sue them in court.”*
I pay $300 every 2 weeks for this coverage.
1:24:23
My son was raped.
Did I mention the timer? It’s been two years. I’m on the phone with insurance. This was supposed to be different. No pre-existing, no prior auth, mental health is covered 100%, he can see a counselor that I found. I pay ~$400/2 weeks
*”At $$$$, we’re making healthcare easy!”
*”I show you had previous healthcare within the last 6 months, so in our system, it’s showing that you have two coverages, and we’re the secondary. You have to submit it to the other company first.”*
I explain.
*”Oh, wow. I’m sorry about that. If you pay out of pocket we can reimburse you later when everything gets worked out. It normally takes a couple of months. Also, I’ll have to transfer you back to COB through the medical instead of through the mental health which is covered by *****, whose parent company is your health insurance. They’ll have to sort that out.”*
*”Oh, no, this is the provider’s line. I’ll transfer you over.”*
*”I’m sorry. Our normal hours of operation are Monday-Friday, 8 am to 5 pm Central Time. Please call back during normal business hours. Goodbye.”*
It’s 11 am on a Wednesday.
1:38:40
My son was raped.
submitted by /u/Anon76936243
[link] [comments]I need to scream into the void. 22:02 My son was raped. He was four. At daycare. It wasn’t their fault. Another child pulled him into the bathroom; personnel caught them. The attack was brief but significant. He went to the hospital. I couldn’t press charges. The kid was too young. CPS cleared the daycare. They tell me the other kid is “doing much better” but they can’t tell me more, cause of privacy. CPS paid for 4 therapy sessions for my kid, none for me. It was COVID, so they were video sessions. He was 4, with a speech delay. Doing video counseling. 29:47 My son was raped. So I call our insurance. *“I can give you a list of providers!”* Oh, good. He can get help. I look all of them up. Autism therapy, nope. Only treat 7 and older, nope. Apparently, it’s called “Play Therapy”, that I need. I call back and ask. *“We might not cover that. Let me transfer you.”* *“I’ll get you a list of providers.”* Oh, ok. I just had the wrong person. It’s the same list. *“Have you checked our website?”* I finally find someone. One person. I’ve called 80+. *”Please wait!”* *“Oh, no, you need a psychiatric diagnosis before you get therapy.”* “It’s for my son.” *“Oh, I’m sorry. He needs a psychiatric diagnosis before he gets therapy.”* *“Ok, I’m diagnosing him with ADHD and PTSD. I can prescribe Lithium.”* “I don’t want medicine, I want him to get help.” *“Oh. Ok. We can schedule you for telehealth in 4-6 months.”* “He’s 4! Y’all agreed telehealth wouldn’t work, he can’t do it.” *“He can’t do it or you can’t do it? We only do telehealth.”* I’m pregnant. He’s started to act out. Hit me, punch holes in the walls. I know that he doesn’t mean to cause harm. It’s starting to get bad. We pay for sessions, when we can afford it. But I’m on bedrest. It’s $200 each time. They want him coming twice a week. 37:43 My son was raped. *”Your phone call is very important to us.”* *”Ok, you’ll need a preauthorization for an out of network provider or a service not otherwise covered. Where do you lived? Have you called all the providers? I’m showing 2,000 therapists within a 150 mile radius.”* I glance at the list. Many are marriage counselors. Is this the right list? *”Well, they say marriage AND FAMILY, have you checked?”* I start in, dutifully, on my homework. 44:03 My son was raped. I don’t know how many phone calls I’ve made. *”We can get you a member advocate! They can guide you through the process.”* Oh, good. He can get help. We talk once a week as I try to find care. He acts out pretty badly. He can’t go to daycare anymore. Hits his head against the wall in Sunday School. Won’t separate from me. Hes afraid the shadows will get him. I eventually accept that insurance will not help us. *”This call may be monitored or recorded for quality.”* But it’s shameful. It’s not my story to tell. I can’t tell people what happened to him. 55:49 My son was raped. *“Welcome to $$$$$!”* Maybe this insurance will be better. I checked all the documents really carefully when signing up. It’s a PPO. Any provider. No hassle. No referrals. No Lithium. Oh, yeah. They still call every month. Ask if I think he should be on Lithium. Insurance covers Lithium. Daycare will take him back if he’s medicated. School won’t accept him if he isn’t. *”Oh, it’s PPO for medical. Mental health is different. Let me transfer you.”* *”Ok, I can give you a list of providers.”* So it begins. *”At $$$$$, people come first.”* They only take over 6 years old. They only do autism. They’re marriage counselors, why am I calling? I just have to confirm. Thanks. Every time I call the insurance, I’m on hold a lot. I’m transferred a lot. 40 minutes, 90 minutes, 70 minutes… how many days have I wasted, on the phone with them? How many nights have I not slept, lying awake? This insurance has a member advocate, too. *”Well, do you let him watch YouTube? A lot of problems stem from kids and YouTube.”* 71:32 My son was raped. He turns six. *”Well have you checked back with the providers who work with six and up? Have you asked if anyone will take you on for free? Because this is a pre-existing condition. I show he has PTSD and ADHD before this insurance took effect? Also, is the PTSD from an event? Is the other party liable? Cause we don’t cover when there’s an at-fault party. You’d have to sue them in court.”* I pay $300 every 2 weeks for this coverage. 1:24:23 My son was raped. Did I mention the timer? It’s been two years. I’m on the phone with insurance. This was supposed to be different. No pre-existing, no prior auth, mental health is covered 100%, he can see a counselor that I found. I pay ~$400/2 weeks *”At $$$$, we’re making healthcare easy!” *”I show you had previous healthcare within the last 6 months, so in our system, it’s showing that you have two coverages, and we’re the secondary. You have to submit it to the other company first.”* I explain. *”Oh, wow. I’m sorry about that. If you pay out of pocket we can reimburse you later when everything gets worked out. It normally takes a couple of months. Also, I’ll have to transfer you back to COB through the medical instead of through the mental health which is covered by *****, whose parent company is your health insurance. They’ll have to sort that out.”* *”Oh, no, this is the provider’s line. I’ll transfer you over.”* *”I’m sorry. Our normal hours of operation are Monday-Friday, 8 am to 5 pm Central Time. Please call back during normal business hours. Goodbye.”* It’s 11 am on a Wednesday. 1:38:40 My son was raped. submitted by /u/Anon76936243 [link] [comments]Read Morer/HealthInsurance