Courtesy of the “Wayback Machine“, I bring you the early entries I made in my online diabetes journal. This was back before Blogger made things easy, and I had to write the entries in HTML. The journal is no longer available, but thanks to the wonderful tools available on the internet, I was able to find much of my old stuff. I’d like to share one of the old entries with you.
Does insurance stuff ever get easier? Seems like it is the same types of struggles now as it was back then…
03 Mar 2000
Well, I’ve been on the phone with my insurance company (BCBS of MN), and so far have been incredibly disappointed in the coverage I have. For the ambulance visit (keep in mind I did not actually go to the hospital..), I need a doctor’s referral (??!!!?!!), otherwise I’m charged with a $300.00 deductible. Then they will cover 80% of the allowed amount. So, I call my doctor’s office, and explain the situation. They say the my doctor is out until next week, but that they would leave a note for him to check out. They advised that I ask my insurance company to delay the processing for a week until my doctor had an opportunity to review the situation. So, I call BCBS, explain the situation, and ask them to not process the claim for one week. They said that they could not. They would reject the claim, and after my doctor issued a referral I could ask them to try to adjust it.
Last time I saw my doctor, we spoke about motivation. That is where my problem is – motivation. I know enough about the tools, and how to use them – it’s all a motivation problem. My doctor referred me to a diabetic psychiatrist at the IDC. I was excited! I figured this was at least a step in the right direction!
So, I call BCBS to see what my coverage was. I was told that if the person I wanted to see was a
plan participant, they would cover the first 10 hours at 80% of the allowed amount, then between 10-40 hours at 50% of the allowed amount, with a pre-authorization. Ok, now I had to find out if the guy I was supposed to see was a plan participant – which he is not. Now BCBS refers me to some BHSI
company, apparently a group of plan participant psychiatrists. I called them to figure out if they had any “diabetic” psychiatrists – which they do not. Back to BCBS. I ask them what my options are now? I have to get a referral to an in plan diabetic psychiatrist, from BHSI (keep in mind I have a referral from my doctor to the guy with the IDC…). I haven’t called them back yet. I need to cool off a little first…