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Tales Of An Educated Debutante

on life, loss and the joy that rules the day.


 
 
 
 
 




 
The future is far away and scary, but today is lovely.

Adrian H. Wood, PhD


Health Insurance Limitations

Health Insurance Limitations

Wednesday, December 16, 2015 Adrian Wood Comments (0)

 

Health Insurance Limitations: The Irony of Medicaid

It seemed appropriate to post my first essay on a topic that is currently plaguing our family. Health insurance. We signed up for our insurance next year and guess how much???? $2650 per month. Same exact coverage was $800 a few years ago (yes, we now have four children). Something is not working and on top of that, we purchase the BCBS platinum plan. Amos our special needs two year old is allowed to receive thirty speech and 30 OT/ PT visits combined. The allowed speech visits will last about four months and the OT same; we choose no PT even though Amos is far behind his peers because we so want his two year old self to learn to point and eat with a spoon. Our last resort is to apply for CAP-C (temporary disability) in order to get Medicaid so that Amos can get therapy based on needs not on a number listed in a thick book. It is doubtful he would even qualify as doing "well enough" for which we are so thankful. Frustrated does not begin to describe how helpless we feel in this situation. It seems the government wants us to depend on it for needed services instead of encouraging independence; I never thought I would consider needing to apply for Medicaid. What a shame that a phD and an attorney can not purchase coverage that will offer appropriate care for their children. Sigh. In saying that, why not provide everyone with Medicaid type coverage and you pay based on what you can afford. Through Obamacare I can not purchase coverage that gives what we need and my costs have risen exorbitantly. However, on a lighter note, BCBS still provides coverage if I choose to get a sex change! Merry Christmas! Next year I may be a man! Xo

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