The Sewing Mom

Right now, to say I am frustrated would be putting it mildly.

My daughter has been complaining of a painful shoulder for months. Over the holidays it got so bad she asked me to take her to a doctor which, of course, I did. The doctor ordered an MRI and scheduled it the very next day. Of course, when I got home and visited our medical insurance website, I discovered the MRI facility she was to go to was not covered by our insurance.

So, it took me several days of calling back to the doctor’s office, the insurance, etc, to get her scheduled at an insurance approved facility. Done… or so I thought.

The diagnosis that came from the MRI results was bursitis. This is not overly serious but definitely can cause pain, and, because softball season is once again upon us, it’s important that we try to get her pain free. The family doctor then referred her to an orthopedic specialist which, thankfully, because he IS in our network, my daughter saw this morning.

He confirmed the bursitis diagnosis and is putting her on a daily anti-inflammatory and wants her to start physical therapy. The physical therapist is in the same office, so you’d think we’d be ok with the insurance, right? ummmm NO!

The physical therapist office that she is scheduled at in 2 days, does not appear on our approved provider list for our insurance. What a TOTAL PAIN IN THE ASS!

I have decided to set this aside until tomorrow, giving the Therapy office time to contact our insurance which they said they would do. If I don’t hear from them first, I will call them tomorrow to find out if I need to make alternate arrangements.

Oh, by the way, even though I got the MRI done by an “in network” facility, I still had to pay $500 of the cost plus a copay. I’ve all ready paid $25 copays twice to the family doctor and this morning paid another $50 copay to the orthopedic doctor. So, I’ve all ready paid over $600 and still haven’t started her on a treatment!

In case you’re wondering, all these copays and co-insurance amounts are double what I would have paid last year, thanks to Obama care.

I feel better since I have now vented, wish my wallet wasn’t so empty!