Re: Best insurance out there?

[Guest guest]

We have Blue Cross Blue Shield of Texas.  They pay for his ABA Therapy ($25

copay each day) as he attends an ABA Based School for 8 hours a day, Lab Work,

DAN visits (out of network - must meet deductible first).  We have not been

questioned and their turn around for reimbursement is usually 3 - 4 weeks. 

They

have been wonderful and we have been blessed.  I wish you all the best with

your

insurance as I know it can be very difficult as we had United Healthcare for a

few short months and it was a nightmare!!

 

________________________________

From: G <luckylot@...>

Sent: Wed, March 9, 2011 2:03:52 PM

Subject: [ ] Best insurance out there?

 

Does anyone have any recommendations for insurance companies that are the best

for coverage of things that we are all dealing with? DAN! testing and stuff. My

husband works for an insurance company that handles our medical insurance and

they are AWEFUL. Every single thing we want done for our sons is questioned,

even well visits! For example, our DAN! sent us lab work recently for pulling

titers, and things like a transferrin, carnitine, etc and for doing an updated

CBC, vit D and complete metabolic panel, since some things were out of range

last time. He put about EIGHT diagnostic codes on the lab work and they are

STILL questioning why he is doing the blood work, they want doctor's notes for

everything. What the heck is the point of diagnosis codes then? Then we run into

problems with them telling us things are going to be covered, just to have them

deny us. When we are denied, we put in for a re-evaluation of the situation and

even those are denied. I am at my wits end. We pay for EVERYTHING for two kids,

what is the point of insurance? I am really considering paying for it ourselves

and going with a different insurance company, IF there are any that are

recommended for covering things more consistently.

[Guest guest]

We use BCBS in Colorado. A $20 copay for doc visits, tests from Great Plains

and LabCorp are 100% covered, though DDI isnt. RXs are covered by MedCo and the

DMPS and Enhansa are covered after I send a claim form. Thats all we've used as

far as RX stuff.

For Sensory Integration therapy, we paid the first $250, they covered the rest

for 6 months. They continued to pay after the therapist sent them a report,

showing progress and what therapies needed to be continued.

Karla

>

> Does anyone have any recommendations for insurance companies that are the best

for coverage of things that we are all dealing with? DAN! testing and stuff.

My husband works for an insurance company that handles our medical insurance and

they are AWEFUL. Every single thing we want done for our sons is questioned,

even well visits! For example, our DAN! sent us lab work recently for pulling

titers, and things like a transferrin, carnitine, etc and for doing an updated

CBC, vit D and complete metabolic panel, since some things were out of range

last time. He put about EIGHT diagnostic codes on the lab work and they are

STILL questioning why he is doing the blood work, they want doctor's notes for

everything. What the heck is the point of diagnosis codes then? Then we run

into problems with them telling us things are going to be covered, just to have

them deny us. When we are denied, we put in for a re-evaluation of the

situation and even those are denied. I am at my wits end. We pay for

EVERYTHING for two kids, what is the point of insurance? I am really

considering paying for it ourselves and going with a different insurance

company, IF there are any that are recommended for covering things more

consistently.

>

[Guest guest]

The quality of insurance depends on the State -> carrier -> company -> your

status etc. A good plan in one area does not mean that that plan will be

available in another area.

S

Sent from my iPhone

On Mar 9, 2011, at 9:31 PM, " wiersmak " <wiersmak@...> wrote:

> We use BCBS in Colorado. A $20 copay for doc visits, tests from Great Plains

and LabCorp are 100% covered, though DDI isnt. RXs are covered by MedCo and the

DMPS and Enhansa are covered after I send a claim form. Thats all we've used as

far as RX stuff.

>

> For Sensory Integration therapy, we paid the first $250, they covered the rest

for 6 months. They continued to pay after the therapist sent them a report,

showing progress and what therapies needed to be continued.

>

> Karla

>

>

> >

> > Does anyone have any recommendations for insurance companies that are the

best for coverage of things that we are all dealing with? DAN! testing and

stuff. My husband works for an insurance company that handles our medical

insurance and they are AWEFUL. Every single thing we want done for our sons is

questioned, even well visits! For example, our DAN! sent us lab work recently

for pulling titers, and things like a transferrin, carnitine, etc and for doing

an updated CBC, vit D and complete metabolic panel, since some things were out

of range last time. He put about EIGHT diagnostic codes on the lab work and they

are STILL questioning why he is doing the blood work, they want doctor's notes

for everything. What the heck is the point of diagnosis codes then? Then we run

into problems with them telling us things are going to be covered, just to have

them deny us. When we are denied, we put in for a re-evaluation of the situation

and even those are denied. I am at my wits end. We pay for EVERYTHING for two

kids, what is the point of insurance? I am really considering paying for it

ourselves and going with a different insurance company, IF there are any that

are recommended for covering things more consistently.

> >

>

>

[Guest guest]

True. Every state is different and plans can be different. I have heard good

things about BCBS in other states though, so it may be worth investigating.

Karla

> > >

> > > Does anyone have any recommendations for insurance companies that are the

best for coverage of things that we are all dealing with? DAN! testing and

stuff. My husband works for an insurance company that handles our medical

insurance and they are AWEFUL. Every single thing we want done for our sons is

questioned, even well visits! For example, our DAN! sent us lab work recently

for pulling titers, and things like a transferrin, carnitine, etc and for doing

an updated CBC, vit D and complete metabolic panel, since some things were out

of range last time. He put about EIGHT diagnostic codes on the lab work and they

are STILL questioning why he is doing the blood work, they want doctor's notes

for everything. What the heck is the point of diagnosis codes then? Then we run

into problems with them telling us things are going to be covered, just to have

them deny us. When we are denied, we put in for a re-evaluation of the situation

and even those are denied. I am at my wits end. We pay for EVERYTHING for two

kids, what is the point of insurance? I am really considering paying for it

ourselves and going with a different insurance company, IF there are any that

are recommended for covering things more consistently.

> > >

> >

> >

>

>

>