Re: Re: Why Insurance Companies are so Scary!

[Guest guest]

Thanks, Barb! I think it's much easier for insurance companies to get away with

this type of crap with mental health because there are no blood tests that can

definitively say that someone has OCD, Tourette's, or whatever the case may be,

whereas there are blood tests, MRI's, etc., which can definitively prove things

like cancer. But what theses insurance idiots are not considering is the fact

that stress and anxiety (OCD included) compromises the immune system, which in

turn can make kids (or adults) susceptible to other illness, even including

cancer, which in turn will end up costing the insurance companies 5 times as

much in the end.

Oh, I could go on and, on, but like I said before, these insurance companies and

the reviewers such as the ones who denied my son continued coverage, in my mind

are attempted murderers, I see no other way to put it. Not that they are

purposely setting out to kill people, but their gross negligence, misconduct,

and lack of brain cells ultimately results in loss of life for many, especially

those with mental illness. This is just flat out unacceptable!!

> YOU GO GIRL!!!

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> That your insurance company seems to be hiding behind some criteria, or

categorizing your son in such a way to justify further funding for treatment is

despicable, and ultimately very sad.

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> While we have universal health coverage in Canada, there is very limited

actual " treatment " available for OCD, ie. ERP therapy with a qualified expert.

What is available, through the system, you will wait from 8 months to 2yrs to

access - only to learn they don't really have what you need - been there, done

that! Inpatient/Residential treatment doesn't exist here.

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[Guest guest]

Thanks, ! What you are describing, like you said, is precisely the reason

so many of us have to deal with denials that are completely unfounded and

unsubstantiated. I need to look more into the mental health parity law. I had

started reading about it, then got sidetracked. There is so much we need to know

about all of these laws to protect our kids and ourselves, but taking the time

to learn about it all is overwhelming!

> , great job advocating for your son. Thougt maybe thhe insurance company

allowed payment initially b/c he was a threat to self/others, more in an acute

or evaluation phase. Then after some time, determine he is not so acute and

refuse. It is very frustrating b/c like you say, they are looking at

criteria/numbers/data and it is easier to refuse treatment when you look at

numbers and don't have to believe that it is a real person you are making

decisions about. I always say if the person making decisions came and met these

kids, they would decide differently, unless they were so heartless.

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