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Insurance nightmare
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Are you on a Medicaid plan
Yes  
 40%  [ 77 ]
No  
 59%  [ 112 ]
Total Votes : 189



amother
Opal


 

Post Wed, Oct 27 2021, 9:56 pm
It costs me about $10,000 in deductibles when I had a baby.
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amother
Lightblue


 

Post Wed, Oct 27 2021, 10:11 pm
amother [ Carnation ] wrote:
I have a suggestion as far as doctors and specialists are concerned, but don't know if it would work for a psychiatrist. I have a child with a chronic medical condition who I put on Medicaid when he became an adult. It is important for him to see the best specialist in the field and have state of the art testing. His medication costs $40000 a month. I have found that specialists in major teaching hospitals usually have "clinic hours". During clinic hours the specialists see patients on medicaid and other inferior plans. Yes, you have to be seen only during those days and hours but it is very doable. And you can have follow ups and tests done at your convenience by the Fellow or Attending who usually all take Medicaid. The specialist reviews, recommends and amends the follow up care. Alternatively, you can send cds of scans, test results etc to a specialist who does not accept your insurance for advice on medical protocol for a "consultation fee" which is relatively affordable. Managing my son's care this way has worked very well and we don't have to meet any enormous deductibles, we have no co-pays and every single test and medication ever ordered was covered 100% bH.

So in NY, I’ve had times on Medicaid, private insurance and both and for my chronically ill child I’m seeing the same wonderful team we saw when we only had Medicaid and they’re same devoted. Meaning, they were super beyond even when we had only Medicaid and clinic hours/days are same no matter the insurance. They work for the hospital and your care is NOT defined by insurance. Ironically, one of our main specialists does not accept our super expensive fancy private insurance plan, and is continuing to see us.
The only thing more I get for my private insurance is headaches, denials, dental costs and in the plus side out of state care which we need and is limited with a NY Medicaid plan.
My insurance deductible is not bad but we do pay a higher premium and it was met in a minute. All it took was an MRI in Jan and a PICU admission right after. (We actually have straight Medicaid as secondary, so they cover that).
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