Another Blow | ADHD Information

A while ago I shared with all of you the frustration I had over the fact that my insurance does not cover any of my ADHD medication costs. Well, today, I had an appointment with my therapist and we were trying to get an additional 6 (yes, only 6) visits covered. She got a letter stating that this, too, was denied because policy states on page 22 of my handbook blah, blah, blah, sh*t. I live in a state where there's a law of parity - meaning that insurance companies can't discriminate against coverage for mental health. What might make it complicated is that I think my company is in part, self-insured. I don't quite understand what that means but that I think is the loop hole the insurance company may and can and will use. So, not only am I f---ed out of medication coverage, but I am f---ed out of a lousy 6 additional visits as well! I don't have many other options that won't cost me a butt load of money.

I am going to let my therapist fight with the insurance company because if I were to approach my HR dept., it could jeopardize my job. I am going to look into alternative insurance policies through American Family Insurance (they cover my car and renter's insurance currently). I know it'll be expensive but having the information can't hurt.

So, needless to say, I'm angry, frustrated, disappointed, depressed. Gee, would they cover me if I were suicidal? Can't help but wonder about that. So, I have 8 more visits to last me the rest of the year. Whoopie. I plan on sharing this situation with my sister (who has been so unbelievably supportive) but I'm just not sure what to say yet. A miracle would be that my family rallied together and got me the money to pay for those 6 visits. But that is unlikely.

Just wondering if anyone else has crappy insurance too. And because I have insurance in the first place, that automatically makes me ineligible for things like free medicine. (shakes head) Sigh.