I've never done chiro before, so I don't know how much they charge. I just know that they're good enough to be recommended by my therapist, and that my back and shoulder hurt.
My therapist's session fee is up to around $110 or $120 nowadays, though. I'm using that as a rough estimate.
All the stuff you're complaining about would have been described in the documentation you should have read before you signed up for it. If you want to say "health plans like this blow!" I will agree with you 100%. But don't complain that you didn't know; if you didn't, it was your own fault.
Darlin, why do you feel a need to pick fights with me? On every little thing, including making up circumstances which don't exist? I never said I didn't know. However, the insurance scams being what they are, I was really fucking lucky that
anyone agreed to cover me, at all. It's not like I had any kind of choice in choosing a plan, unless you count "go without insurance and pay hundreds of thousands of dollars out of pocket" as a "choice."
I am really fucking sick of caps on medical coverage that is claimed to be 100% coverage. It is a LIE that it's 100% when they have such ridiculously low caps on care. Yes, I knew it was a lie. It was this or nothing. I'm tired of being screwed no matter what I do.
That's assuming, of course, that you had a choice of health plans, versus everyone in your company being covered under the same plan.
I don't have company health insurance. I pay for this myself, because I've not had a corporate job ever last long enough to rely on their coverage. Until the new rules for pre-existing conditions phase in, I'm
absolutely screwed if my coverage ever lapses. This was the only plan I could (barely) afford the premiums on. The deductible gets partially written off by the hospital under charity care, and the rest... well, sometimes I might have a spare $20 to throw their way.
So now I find myself in a situation where I need healthcare, but I'll need to stop, whether I'm well again or not, once we hit the $1000 mark. That pisses me off. Bean counters have no business telling me how much care I need. That's my doctor's job.
On the limited visits for therapy thing: Assuming you live in the U.S. (and I can't imagine otherwise), those limits are due to be removed by the changes to the Mental Health Parity Act. The new bits are phasing in, though, so I'm not sure when it will take effect.
I know this too. Doesn't change the fact that I'm drowning in medical debt because I've dealt with coverage limits on healthcare that I really need for the last 5 years. I can't wait for the new rules to go into effect, but that's
years away, and I'm broke right now.
