So apparently mental health is not a necessary expense

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LiveWhatULove
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That is total BS — yet you can buy a bundle of band-aides and vitamins and count that. I am sorry, you are going through this. I took out the max this year for my son’s orthodontic work only to realize after the fact — they have extremely strict rules about reimbursement for that too, or in other words they basically denies it.

I am so sick of all the effort it takes to lower our taxes — how about we just all get the lowest flat tax and quite playing all these games of submitting for reimbursement of what they fee is worthy of not taxing. The system is maddening…
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So true.
RIZZY wrote: Tue Aug 02, 2022 10:44 am I bet that HSA would cover drugs for limp dick on a 50 year old man, though.
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Vegaswife2011
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mcginnisc wrote: Tue Aug 02, 2022 11:35 am
Olioxenfree wrote: Tue Aug 02, 2022 10:43 am Any specialist requires a refer from a doctor in order to be covered by insurance. There are lots of people who will reach out to a therapist independently without a referral. I understand that it’s annoying, but that’s just how insurance companies work, they can’t bill something that isn’t determined to be needed.
You would think so..however, my daughter did not need a referral to her therapist and insurance covers it with us having a co-pay of $75.

OP- I'm so sorry. I can only imagine the frustration. I would talk to her physician and ask for another letter with specifics to be given to the insurance company...maybe get the therapist to also write a letter on her behalf so that insurance will cover it. Therapy is not cheap and every little bit helps.
A $75 Co-pay? Holy shit.
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Vegaswife2011 wrote: Tue Aug 02, 2022 11:49 pm
mcginnisc wrote: Tue Aug 02, 2022 11:35 am
Olioxenfree wrote: Tue Aug 02, 2022 10:43 am Any specialist requires a refer from a doctor in order to be covered by insurance. There are lots of people who will reach out to a therapist independently without a referral. I understand that it’s annoying, but that’s just how insurance companies work, they can’t bill something that isn’t determined to be needed.
You would think so..however, my daughter did not need a referral to her therapist and insurance covers it with us having a co-pay of $75.

OP- I'm so sorry. I can only imagine the frustration. I would talk to her physician and ask for another letter with specifics to be given to the insurance company...maybe get the therapist to also write a letter on her behalf so that insurance will cover it. Therapy is not cheap and every little bit helps.
A $75 Co-pay? Holy shit.
That is only for therapy... Others are so much lower it is ridiculous. I'm jut glad the deductible is now met after breaking my shoulder since I have PT twice a week. Lol
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LiveWhatULove wrote: Tue Aug 02, 2022 2:57 pm That is total BS — yet you can buy a bundle of band-aides and vitamins and count that. I am sorry, you are going through this. I took out the max this year for my son’s orthodontic work only to realize after the fact — they have extremely strict rules about reimbursement for that too, or in other words they basically denies it.

I am so sick of all the effort it takes to lower our taxes — how about we just all get the lowest flat tax and quite playing all these games of submitting for reimbursement of what they fee is worthy of not taxing. The system is maddening…
I had the similar issue with ours after my son’s tooth extraction. Big PITA…
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