I am so annoyed with my ex for changing the girls insurance to a HMO!!
We have always had a PPO health insurance policy, which basically means you can go to any specialist or doctor without approval of any insurance administrator. This was necessary because of the Mental Illness in the family. My oldest, who is 16, has been treated by her current psychiatrist since she was 6. Now my ex decided the PPO plan is too expensive and has gone to a HMO (health management organization).
This HMO has only 1 local center that treats psychiatric problems and there are only two doctors to choose from, we went through many before we found the excellent doctor we have gone to for 10 years. I guess having an insurance policy that will allow our girls to get good proper treatment was too expensive for their father so here we are dealing with a HMO.
I actually have to go to a Parent Orientation before they will set an appointment for my kids to be seen. I don’t know if we have enough medicine to get to that point but I have no choice. So I have to wait till January 11th to go to a horrible part of town and sit through an orientation I don’t need.. then come home call them to make an appointment with one of the two doctors available. I am wondering how many weeks we will have to wait just to get an appointment.
My girls are so nervous about having to start over with a new psychiatrist and it annoys the crap out of me that their father doesn’t care that they will not get the same type of care from this HMO as they did from their doctor of 10 years. It is difficult for kids to deal with this stuff and when you have an excellent long-term doctor its nerve-racking for them to have to start over.. but hey let’s make sure their dad can save a little money.
I know health insurance is expensive but he has excellent benefits and doesn’t pay as much as you may think. He also got a credit for the full cost of our health insurance when we were together when they calculated the child support. Not just the cost for the girls which he has to continue to carry but the full amount for the family. Technically I am paying for his new wife’s insurance because he got a monthly credit for it by the judge.
I am really scared about how this will go for the kids and I pray we get better treatment than I have heard you get from this particular HMO. Wish me luck!!
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