Stupid Health Insurance

I'm so sorry, I hope you find a good doctor.

I've had great health Ins. all my life but last Feb. I lost my Ins. because of divorce.  I can't afford any of these outrageous cost.  I've tried so many things and each keeps failing.  I'm paying out-of-pocket for my doctors and medician.  Thank God for Walmart generic prescriptions!  I never thought I'd be in this kind of shape.  It's scary!  This is a big reason why I've been so depressed!

Hugs,

Sherry

Dear jwalton,

Changing up insurance from a PPO to an HMO is difficult if your doctors are not considered "in network."

One thing to try is to contact your HMO (your direct care management provider who handles all your claims) and explain the situation to him/her.  There may be a way for you to stay with your current therapist given your diagnosis and improvements with this particular therapist.  It may mean having to pay a bit more out of pocket, and a letter may need to be written by your current therapist for why changing therapists is NOT good for your heath right now and explain out the benefits (keeping costs down) with your current therapist (as trying to find a good match, less gained from therapy, etc.) will only create more money for the HMO to pay out in the end.

I know it will be a drag, but it is worth the effort to give it a try.

Let us know if this works for you or the type of issues you may or may not encounter as many find ourselves in similar situations.

Best,

Kimberly Tyler