insurance

What’s Wrong With This Picture?

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For those who don’t know, my wife does read my postings every day to see what I’ve said.  While we were on our evening walk last night, we briefly discussed what I’d written yesterday and her impressions on it.  (It’s a good self-check for when I also have a different impression than she.)

And while we were discussing the matter, something very prescient was said.  She had, earlier the day, run to the bank and made a deposit of some large bills (from doing focus groups at a nearby company) and a check we’d received for our anniversary, and her thoughts on it were: Continue reading →

Paying For It

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Since the school system seems disinclined to provide the Monster with all of the care that we think he needs, we’ve decided to take the “logical” step and get him some outside therapy.  Yesterday was his first trip to a local private provider for supplemental occupational and speech therapy.

As I’ve mentioned before – the school provides him with three speech therapy appointments a week and one OT.  However, the OT was recently reduced from 45 minutes to 30 (though from a push-in to a pull-out appointment) and the speech is two pull-out small group, one push-in per week.  And we think he needs more individual attention than that. Continue reading →

Maryland Steps Up

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I’ve posted several times before about how the insurance coverage I have through work (a company based in California) in theory covers treatments such as ABA, and yet there are no providers in my state (Maryland) that are on the insurance plan.  The reason for this is simple – here, ABA is not defined as “appropriate and medically necessary”, so insurance providers are not required to cover this proven treatment.

To be fair – our current insurer has told the wife that if we can find a provider here who is covered for other services, they would be amenable to discussing payment.  I have no idea if the new provider in January will feel similarly, but I can fight that battle when we get there. Continue reading →