Kate’s message is great for insurance providers too.
Even when parents can provide time, attention and love from the start with their children, there is still unresolved childhood challenges this generation faces and it’s sickening. Literally crushes my heart and saddens me that we can’t provide this strong foundation for their future.
Kate mentions providing schools and parents with the tools needed, but this also needs to apply to our government. The real issue in providing services for early intervention like autism without the red tape and the brick walls to climb over as they would probably have 10 times less chances of mental illness on the other side when they approach adulthood. And in return, be a stronger and healthier adult using less insurance and become the anchor of their strong family they would in turn possibly have.
For insurance providers that offer Applied Behavior Analysis services, why can’t you see that? It’s January 10 and I’m having to pay out-of-pocket for my sons medically necessary therapy his doctor has given him because my provider is not able to get an approved status (even when provider has been part of BCBS for years) after submitting an application back in June 2017.
By the end of February this year, paying out a network, I will have paid the same amount as if I had services through June. We did everything right. We scheduled and received the requested updated evaluations before January 1st. We submitted everything by January 2nd. And still no services.
So in a nut shell, I have a policy I can’t even use with Cody‘s current provider from the last two years and will have to start over if this doesn’t get resolved soon.
Starting over will be tough but may be our only solution. In December, we had a full detailed reevaluation done with Cody‘s doctor. Our biggest take away from his appointment, is the next two years is so critical for Cody’s development. We are parents who are heavily involved in parent training, his therapies and goals. I don’t need to lose any momentum with getting new therapists up to speed. I have experienced what that looks like over the last 4 months and hope that is in my rear view mirror. I don’t want to do that again. I believe change is good. In fact I thrive on change, but not today. Please not today. Ages 5-7 we still have desired hope of progression and Cody’s brain will start stabilizing to adulthood when he is 7-9 years of age. This does not mean he will stop developing but we will not know at what pace by then.
Why do they make it so hard to give our children the best future they deserve? If early intervention is key, then allow that to happen and allow parents, providers and educators to focus on what’s most important, the child NOT insurance. So, I am not sure if I will go this way or that way or just a brand new other way but I got to keep fighting.
And to those families that are in my same boat, I am hoping we can at least pave the way for other families. To the families who may have coverage but suffer from get authorized hours, keep fighting for the maximum. And to families, who cannot afford that privilege for a secondary policies and rely on grants, keep applying.
We all have challenges. It can be giving it your all to get your hoodie off before bubbles, or losing sleep over therapy services. We can’t ever give up.