Last night, at the pharmacy, I just about fell over. B's main med is over a thousand dollars a month. She's on three others which, thankfully, are generic. We pay 20% of the meds. That's over 200 a month in meds out of pocket.
I was thinking that we had several thousand in our FSA. (Flexible Spending Account). I found out we started the year with $1500. Only enough for our deductible.
Once that is met, we pay 30% and they pay 70%...that's tier two. Tier one coverage is 90/10.
There are no child psychiatrist on either tier. Hence the kerfluffle with the insurance company over whether they will pay for Bingham. Supposedly, they will pay at the 30/70 rate, but if they pay the pretend negotiated rate as opposed to the rate we paid up front, we will be screwed.
Oh wait! We are screwed already!
And they might say Bingham is covered, but does that mean that one small therapist there is covered, or everyone? I think they go by each one who works there, and not the place itself.
So, the intake visit was $280.00 . Med management visits might run around $160.00. Our part would be around fifty. Therapy? How much does that cost? She'll need that, too. 30% is ours to pay. Fifty dollars a week, perhaps, for our part of cog/behav. therapy? ...that's another two-hundred. It's going to be a HUGE chunk of change each month.
Lord, how are we going to eat? B needs this to stay alive!