I don’t really know how interesting this is going to be for 95% of you, but someone asked me to write about it and after some consideration, I decided I would for two reasons: 1) A long-time reader asked, and I like her, and I’m a giver like that and 2) maybe even if this doesn’t apply to you and never applies to you, it is somehow informative to have some idea of how this goes, even if only just as a bit of an eye-opener about how health care works in this country right now.
So if you’ve been reading along here for a while, you already know that my daughter is now in her fourth month of residential psychiatric care, and our private insurance—which, for the record, goes though One Of The Gigantic Insurance Giants—carries exactly zero benefit for the care she’s receiving. Zip. Nada. Not a single cent of it is being paid for by insurance. I could write an entire book about why this makes me want to set things on fire, especially because our insurance DOES cover “acute care hospitalization,” which means that they DID pay for the times when the kiddo was an immediate danger to herself and spent anywhere from a few days to a couple of weeks being “stabilized” at a facility that costs twice what the residential place costs. The difference is that THAT kind of hospitalization is “meant” to be short-term and THIS kind is “meant” to be longer-term and insurance companies would rather pay more for less time and OH GOD GIVE ME A LIGHTER.
In case you’re not getting my drift here, I think this is beyond stupid. Unfortunately, I don’t run the insurance companies. (more…)