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Re: Expensive docs/Paying out of pocket vs insur.

Posted by stargazer2 on June 25, 2007, at 9:38:15

In reply to Re: Expensive docs, posted by Jenn_SD on June 24, 2007, at 20:33:55

Many really good pdocs have dropped out of the insurance arena due to low reimbutrsement rates and only take patients who pay out of pocket and I am told do very well with rich patints that can
afford this and do not want a record of a psych disorder leaving a trail on their medical history.

I'm currently on Cobra for another 6 months or so at $615/month with a $30 copay, but i've been told by an insurance person I will not qualify for personal health care when Cobra runs out unless my psych history stablizes and I get the weekly visits down to every few months or so. I've been trying to do this but for the first time in my life not succeeding in doing this.

Perhaps at some point I will need to start paying for my visits out of pocket and show that my depression has stabalized as my medical history will not reflect any visit I pay for out of pocket although I suppose they can request any medical records from my doctor. I wonder if the records I pay for out of pocket can be obtained from the insurance underwriters or only those visits that I submitted to my insurance company.

My goal is to get well enough to work again and get insurance through work, which is th eonly way to get coverage for psych in a group policy, although many part time jobs will not even provide health insurance today. It's a real mess and I live in fear of having to pay for my health care out of pocket if no one will insure me because of my long and protracted psych history.

I only see my pdoc for 15 minutes and his chanrge is $90, which works out to $360/hr. MOst times 15 minutes is enough since I talk fast and cut to the chase unless there are BIG roadblocks, like being suicidal or really hopeless, which has kind of gone away for awhile, since being on Emsam and now Nardil.

Stargazer


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