I am just curious to know who pays out of pocket for all of their treatments and dr's visits.
When I was treated in 2001, I was able to use my health insurance. I see everyone talking about paying out of pocket and was just wondering. I couldn't afford treatments if my insurance isn't used and that scares the heck out of me!
Does anyone get there treatments using health insurance?
Tara
Posted by Aniek (Member # 5374) on :
Tara,
It depends on your insurance.
My insurance covers everything but my supplements. Recently, my LLMD dropped out of my insurance network. Luckily, my insurance still pays 80%.
I have my insurance through my employer. It's self-funded so the employer makes the decisions of what to cover, not the insurance company. And it's a labor union, so they care about providing good health care.
People who have insurance bought on the individual market seem to have the worst luck, since they can usually deny to cover pre-existing conditions. And they make everything a pre-existing condition.
IV for long periods is difficult because many insurance companies consider it experimental and do not cover experimental therapies. If your prescription coverage is seperate from your medicine coverage, it may be easier to get oral abx because they probably don't compare the prescription with the diagnosis.
If things are denied, you should always appeal.
Posted by Dizzyygirll (Member # 3576) on :
My insurance is through my employer. The RX is part of my insurance but is paid through a different company if that makes sense.
I did IV antibiotics through my insurance in the past and I think I still have the same insurance provider as back then. So hopefully that won't become an issue.
thanks for your input.
Tara
Posted by randibear (Member # 11290) on :
i have bc/bs and if i go out of network, they pay a pitiful amount and then i pay the rest.
to top it off, all the docs i've been to don't believe in lyme, so the insurance pays 80 percent of nothing.......cause they won't treat me, so what's the use.
so for me, i pay 100% if i go to a real LLMD.
Posted by Parisa (Member # 10526) on :
Our insurance is an HMO. We are paying for the LLMD's fees out of pocket. However, our LLMD has been successful in getting the antibiotics preauthorized by insurance so far. My husband's primary knows how sick my husband is so he is supporting us as much as he can. Monthly lab work CBC, liver etc. is being paid for by insurance since its through the primary.
I'm waiting for the day when insurance says enough and we'll be paying out of pocket for antibiotics. We'll cross that bridge when we come to it.
Posted by bettyg (Member # 6147) on :
for my llmd appts., different body lab testings, etc .... it's OUT OF POCKET although my husband is on retired STATE employee group health/RX med drug plans! Posted by 1Bitten2XShy (Member # 12280) on :
My BCBS has paid for everything including my LLMD..so far (knocking on wood).
However, we just got notice that our BCBS is going up this year 7% more premium. They said they paid out 2.1 million more in claims this year (for the county employees thru which we are insured), over last year.
I told my husband the extra 2.1 million was because I had been seen by 75 Dr.'s and now being treated..lol
Posted by MamaWolf (Member # 10578) on :
We are also on bc/bs and have to pay for most everything out of pocket as my llmd is out of network... testing ect.
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