you asked me a question earlier today, i'm going to answer it here for you/others to learn from ok."I'm having a little trouble understanding the way I pay for all of this in that I have to pay her 150/hr, but...I can submit the reciepts to Blue Cross and they will re-emburse 80% of that.
Then the presrciptions she reccommends are covered by insurance. So I'm a little scared of the whole situation..."
1st, you are fortunate it's only $150/hr; many are around $500 - $1800/hr. for specialists out of pocket. so you have that going for you ok.
DOCUMENT all conversations you have with bcbs...date, time, WHO YOU TALKED TO AND EXACTLY WHAT THEY SAY..WORD FOR WORD; they can wait for you as you write or TYPE THIS AS THEY SPEAK! FILE/SAVE IN SAFE PLACE!! you may need this info later to file APPEALS.
bcbs lied to me over and over when i started this whole ordeal. i had 50-60 phone calls; they said i didn't have to do anything; they lied over/over and DENIED paying anythign.
i went thru appeals system and got iowa's insurance commissioner attorney involved; he got a little more out of bcbs, but they would NOT approve my $5,000 out of pocket for appts, lab tests, etc.
explodo, i am NOT trying to scare you even more than you are now; i want you to have yoru eyes open to PROTECT YOURSELF ok.
MAKE COPIES OF ALL RECEIPTS, ALL PAPERWORK YOU PREPARE, AND SEND THESE BY CERTIFIED RETURN RECEIPT so someone has to sign for these that they RECEIVED them. they lose things over and over in their systems.
in my WELCOME LETTER at top of support forum, go down looking for FINANCIAL BURDENS LINK; 26+ pages of detailed info/links. i suggest you print this off so when you try something, you can check it off so you don't duplicate your efforts.
look for a STICKY/PUSH PIN ON LYME-TAP also; that's funding where someone recently posted they got hundreds of dollars that went to pay majority of bill.
you're in my thoughts/prayers/hugs to you.
bettyg, llmd coordinator, group leader, iowa activist
