Yeah, so I’m breaking in with one of “my life as a mentally ill person” stories. Because I do want to educate people on the difficulties. And also to vent, because I’m extremely annoyed.
Back in September I told my social worker (the guy who fixed my door) I needed to fill out the form to renew my insurance. He said no, I didn’t need to fill it out till October. In our last meeting, which was in October, I asked about the form again and he was like “it’s easy, they just ask you if anything has changed in the last year.” Then he left and I will probably never see him again cause that was when I “graduated.”
Well, maybe the renewal form is easy, but it turns out I should have filled it out in September. By October I was late and had to fill out a form which was difficult for me. I was going into all sorts of conniptions, worried I’d get something wrong and be brought up for perjury or something. I filled out the form, submitted it through the online portal and waited. And waited. And waited.
Eventually I got tired of waiting and called them to ask where is my new insurance card? And they told me the form was incomplete and I still needed two documents. I got the documents and tried to submit through the online portal but wound up somehow locking myself out of it. I had to physically drive to the office with the documents. By this point I was in tears from frustration. The lady at the desk who took the papers from me didn’t ask why. I expect she knew.
I waited some more.
Then I ran out of my medication, while still waiting for the insurance.
My new social worker that I see through tele-health might have been able to help me. This is the kind of thing social workers are for. But when I tried to log into our tele-health appointment, they wouldn’t let me unless I paid $150. I canceled the appointment.
On Wednesday I went to see my therapist. I wasn’t sure they would let me see her, but they did. Even though this is not her job, once she heard what was going on she put on a social worker hat and called the insurance company on my behalf. The entire appointment was spent on the phone with insurance; no therapy was done. In the end we were assured that my insurance had been activated and I could go to the pharmacy and get my medications. This was Insurance Person #1 telling us this. By then I’d been without them for two weeks.
I went to the pharmacy immediately after leaving my therapist’s office. The pharmacy was like, “Yeah, you don’t have insurance, we can’t give you these, sorry.” I immediately burst into tears. It was very embarrassing. I called the insurance company again and spent an hour and a half on the phone, mostly on hold. The person I was speaking to, Insurance Person #2, was also on hold; she occasionally broke in to tell me she was waiting too. The pharmacist was worried especially after I told her I have bipolar disorder and hadn’t had my meds in weeks.
“Do you need some behavioral health intervention? Do you need a doctor or anything?” she asked. I told her I was fine, just very upset, because the insurance company had told me I would not have a problem and now I did. While still on hold, I had to leave the pharmacy to pick my husband up from work.
Finally Insurance Person #2 came back and told me that although my insurance was active, I had no benefits under it and she had been trying to figure out why. She still didn’t know why. She suggested I might want to file a complaint against Insurance Person #1 because, she said, “this isn’t a good situation” and that what he had told me and my therapist was basically a pack of lies. She was very nice and I could tell she really wanted to help. She said she’d talk to the pharmacy and convince them to give me a few days worth of meds and that the situation might be fixed “within 48 business hours.” I dropped my husband off at home and went back to the pharmacy and they gave me three days worth medication, free of charge.
So that was Wednesday. I came back to the pharmacy today in hopes that “48 business hours” might have passed and I might be able to get the rest of my meds.
Nope. Still in limbo. So now I have no meds again.
I called my psychiatric clinic, as my therapist had requested I call on Saturday to let them know if I could get my meds or not. When I told them I could not, the clinic called the pharmacy to ask if I could get another three-day supply. The pharmacy said no.
My therapist said she would speak to something called ClaimAid on my behalf; ClaimAid helps people with insurance companies. It’s in the psychiatric clinic’s best interest to get me insured since they haven’t been paid for my therapy appointments in a month and once I’m insured they’ll get paid.
Now, many of the people who read my blog are extremely kind and might feel tempted to send me money to just pay for the medications out of pocket. I request you not do this. The medications cost a lot and I am convinced these insurance companies intentionally screw up all the time so that we will give up and pay out of pocket and therefore they will not have to pay out the benefits we are entitled to. As it is not an emergency (I am not suicidal, manic or psychotic), I absolutely refuse to raid my small savings, or Charley Project donations, to pay for something that the insurance company should be paying for.
This has just been so awful, though. I have no idea how I would manage if I didn’t have people helping me with this. I can’t imagine how difficult it must be for people without help, with more serious disabilities than mine, to navigate this broken system.
I wish I’d filled out that stupid form in September.