Insurance, Need I Say More

So it begins. The woeful journey into insurance land.

Thankfully Jake was paying attention. Those papers that come in the mail... they actually contain information that is worth acquainting yourself with. Jake was noticing that so all of the claims coming from our insurance regarding Dempsey were being "denied". He got to thinkin', "Something's not right here." He contacted the insurance company and it turns out that they didn't have Dempsey correctly dialed in to our insurance. HELLO!!

Thankfully, that is being addressed and fixed. What a scary thought- Dempsey not being covered for this journey.

Then, today, Jake gets a call from the ENT people who we were supposed to follow up with tomorrow. That appointment has been cancelled because the doctor it was scheduled with is no contracted with our insurance. Our case manager, Dia, is looking into it for us. There is another ENT doc in their office who is contracted with our insurance but this late in the game there are no appointments available. It's crazy to think that there is this much drama as a new out-patient when we were just being checked in on as an in-patient.

The MRI people called today too. They were calling to finish the registration for Dempsey's MRI next Tuesday (5/10/16). The charge for this service is using up the rest of Dempsey's individual deductible and is moving us into the section of our insurance called co-insurance. Basically, we're responsible for over $1,000 out of pocket for this imaging. Here lies the beginning of the financial stresses.

We were able to order that special trike for Dempsey. This is not covered, at all, by insurance. This is $630 out of pocket- actually paid for by generous givers like you. A few people reached out and said they wanted their donated funds directed toward this purchase. We are so grateful.

We are in the process of getting a pediatric walker for Demps too. This is paid for, in part, by insurance. After his fall yesterday and a near miss, I am confident getting this walker is the right move. According to the gentleman I spoke to from Apria Healthcare yesterday, the out of pocket portion is miniscule. Praise God.

To be honest, it is SUPER scary to look at what the financial implications of this cancer journey can be for us. Down right terrifying at times. Working hard to hold onto that faith I had a week ago when I said "God brought us to this, he will bring us through this." One way or another, we will be all right because God work all things together for good... whether in this life or the next. Still, it doesn't stop the frustration we feel with the insurance/ medical billing world. What a convoluted system! Seems like it should be simpler than it is. Right?!

Prayer requests:
Pray that the medical billing and insurance headaches will go away
Pray for grace and discernment as we walk through insurance land
Pray that God will go before us and work all things out
Pray that we will be wise and diligent in our appointment making and procedure scheduling
Pray that details will not get lost and balls dropped
Pray that our support hangs on and hangs around
Pray for acceptance on Dempsey's part-it is so hard to be a kid when you can't be a kid
Pray for restorative rest for us parents (we're tired)
Pray for open and clear commnication

THANK YOU! WE LOVE YOU1!