posted
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
-------------------- Life is too short for drama & petty things, so kiss slowly, laugh insanely, love truly, forgive quickly and rejoice in the fact that most of us are indeed unstable. Posts: 59 | From Laurel, MD USA | Registered: Jan 2003
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Aniek
Frequent Contributor (1K+ posts)
Member # 5374
posted
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.
-------------------- "When there is pain, there are no words." - Toni Morrison Posts: 4711 | From Washington, DC | Registered: Mar 2004
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posted
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
-------------------- Life is too short for drama & petty things, so kiss slowly, laugh insanely, love truly, forgive quickly and rejoice in the fact that most of us are indeed unstable. Posts: 59 | From Laurel, MD USA | Registered: Jan 2003
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randibear
Honored Contributor (10K+ posts)
Member # 11290
posted
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.
-------------------- do not look back when the only course is forward Posts: 12262 | From texas | Registered: Mar 2007
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posted
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.
Posts: 984 | From San Diego | Registered: Nov 2006
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bettyg
Unregistered
posted
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!
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1Bitten2XShy
Unregistered
posted
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
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posted
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.
Now they do pay for orals.. go figure.
-------------------- ~Ro~
Don't wait for someone to take you under their wing. Find a good wing and climb up underneath it~ Frank C. Bucaro Posts: 80 | From Desert Southwest | Registered: Nov 2006
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