Grrr! I'm steamed...
Jun. 15th, 2006 10:26 amMy physical therapists' employer dropped my insurance as of this month. My co-pay the first time for "out of network" was $52. The next one was $63, the difference being how long my therapist actually worked on me before turning me over to the gym. I figured I'd just deal with it because I was almost done with PT.
I saw my spine doctor again yesterday. I'm going to have that second set of injections the last week of June and I'm to continue with another six weeks of PT.
A clue as to why things changed halfway through our contract year came in a letter last week. Our medical plan is a private PPO through Hewlett-Packard. The letter stated that they'd been absorbed by Pacific Care and our coverage shouldn't be affected. Ok, so maybe Pacific Care didn't have a contract with my PT? I checked the providers on the website to bring a list of possibilities to my current PT so he could help me by pointing out ones with the same philosophy as theirs. Oddly, theirs was still listed. I figured the health care people hadn't had time to update the website yet, so I called. No, they had my PT still listed as "in plan."
I called the billing office of my PT and had to leave voice mail. Later, they called me. They'd tried to talk to my insurance company and were hung up on. The deal here is they've suddenly started paying HMO amounts for PPO patients. The PT office can't afford that. They take a loss on HMO rates which is why they don't accept HMO patients.
My next step is to call my insurance company again to demand an explanation as to why we even bother paying the extra money to have a PPO if all we're going to get is HMO service. HMO's kill people in my opinion. The bottom line is more important than human lives. You have to find out EVERYTHING about your illnesses and possible treatments then confront your doctor with them so they know you'll cause problems if they don't give you proper care. They killed my uncle by not telling him the cancer in his abdomen needed to be dealt with right away. They killed my dad by dilly-dallying around delaying the start of treatment until his Hodgkins got into his bones.
We pay for a PPO despite our financial difficulties so we get good medical care and our insurance company is turning us into HMO patients behind our backs! What, are they lining their pockets with the extra cash?
There is something very wrong with this. I wonder if all my doctors will drop our plan, too.
I saw my spine doctor again yesterday. I'm going to have that second set of injections the last week of June and I'm to continue with another six weeks of PT.
A clue as to why things changed halfway through our contract year came in a letter last week. Our medical plan is a private PPO through Hewlett-Packard. The letter stated that they'd been absorbed by Pacific Care and our coverage shouldn't be affected. Ok, so maybe Pacific Care didn't have a contract with my PT? I checked the providers on the website to bring a list of possibilities to my current PT so he could help me by pointing out ones with the same philosophy as theirs. Oddly, theirs was still listed. I figured the health care people hadn't had time to update the website yet, so I called. No, they had my PT still listed as "in plan."
I called the billing office of my PT and had to leave voice mail. Later, they called me. They'd tried to talk to my insurance company and were hung up on. The deal here is they've suddenly started paying HMO amounts for PPO patients. The PT office can't afford that. They take a loss on HMO rates which is why they don't accept HMO patients.
My next step is to call my insurance company again to demand an explanation as to why we even bother paying the extra money to have a PPO if all we're going to get is HMO service. HMO's kill people in my opinion. The bottom line is more important than human lives. You have to find out EVERYTHING about your illnesses and possible treatments then confront your doctor with them so they know you'll cause problems if they don't give you proper care. They killed my uncle by not telling him the cancer in his abdomen needed to be dealt with right away. They killed my dad by dilly-dallying around delaying the start of treatment until his Hodgkins got into his bones.
We pay for a PPO despite our financial difficulties so we get good medical care and our insurance company is turning us into HMO patients behind our backs! What, are they lining their pockets with the extra cash?
There is something very wrong with this. I wonder if all my doctors will drop our plan, too.