I used to hear other preemie parents complain about getting denied, getting the run around, and being on the phone all day with insurance. I felt so bad when I heard this and I took a sigh of relief that we were spared this one preemie headache.
We were able to get all the therapy we needed, including an intensive tube-wean at Seattle Children's Hospital, no questions asked. Every surgery, every CT/x-ray/MRI scan, every specialist we saw, really everything we wanted or needed for Jack's medical well being was covered. There was a reason we called him our Million Dollar Baby.
Enter new insurance.
It has been a nightmare.
I was chatting with one of Jack's medical providers today and she said this specific carrier is notorious for trying to find any and every way to deny claims. While Jack was in therapy, I spent time getting new prescriptions from the pediatrician for each therapy, praying to God that the exact right billing code was put on them and that it will go through smoothly. And we were told that our insurance no longer covers Jack's feeding tubes. Umm. Ok.
It's not like we are paying top dollar or anything for this insurance! Oh wait. That is exactly what we are doing.
Anyway, I have to tip my hat to all of you that have been in the insurance trenches, spending precious time getting coverage. Some of you have been doing this for years and I never appreciated the struggle.