So, have been battling with my HMO about soo many things. I have several complaints in to Medicare too, but the thing with my HMO, they can refuse to send my medical records to CMS (Medicare) and Medicare will close my case, so unfair.
Yesterday, I went over a 5 page letter of issues with my HMO. One issue I have with their prescriptions, is that if I do not call in to refill a prescription in 3 months, they will automatically cancel the prescription and I have to go back to my ordering physician to put in a new refill for me. I was trying to refill Medropred for my status migraine and found out the system automatically cancelled the prescription. This is a PRN medication and I only take it as needed, but my HMO will not hold open a medication for more than 3 months before they discontinue my script. I am outraged about this.
Also, with labs, my HMO will cancel a standing order if I do not go within 30 days to have labwork done. Some months, I can barely get out of bed, let alone travel far to the lab.
I want to get away from this HMO, but I get free prescriptions and free co-pays and I never go into the donut hole as I am covered 100%. The beauty of this HMO is that it's a cost plan thru Medicare and I can go outside the plan and see a specialist. However, Medicare is going to stop this Cost Plan in 2020 because Medicare is paying out too much money (80%). I want to start a secondary plan and drop this HMO but because of my cancer background, my monthly premium quoted to me was quite high.
There are many other issues I am battling now, will see how my HMO answers all my questions.
My therapist has been trying to convince me to go into a DBT intensive outpatient program. I have been avoiding it because I am agoraphobic (I don't ever leave the house alone) and it's a hassle in terms of getting there. My disability attorney convinced me to do it because she said it would be very helpful for my case. I am scared though.
Anyone have any experiences with IOP they want to share, good, bad, or ugly?
By Mike Ragnarok
I'm working on a teaching career, primary and secondary, in the USA.
I'm pretty functional now that I'm on stimulants, otherwise I'm a mess.
I'm in a program where I volunteer full time in a school as a tutor, in order to get experience to go into a residency which will get me my license. There is almost a complete masters degree worth of classes I'll be taking in the process.
I haven't disclosed to anybody in my program.
I've already used double the amount of time off i have and I'm potentially losing my heath insurance Friday and I'm still in a day program (Partial Hospitalization Program) for treatment. I'm losing money by the day and my therapist says "you should be eligible for short term disability benefits" - but mine does not cover mental illness and/or pre-existing conditions.
I work in Massachusetts, does anyone know if there are any options for short-term disability coverage for mental illness? I don't even know if I can file a claim after the fact, but it's so frustrating that it is so impossible to find any information. I'm jealous of people who have jobs that provide advocates for them to figure this crap out for them.
Any help or words of encouragement would be greatly appreciated! Thank you
Sometimes it is not fun being American and living abroad. The US is the laughing stock of the world. There are many good reasons for this, but I am really tired of all the assumptions foreigners have about Americans that do have some truth to them... but that doesn't mean they are true for me.