CMO = crisis management organization = they pay for anything mental health related that the insurance won't for difficult child II
People with no insurance obviously have an easier time getting it, but insurance in NJ stinks and covers very little. So the bright news is 1st insurance girl misinformed me in telling me day program comes out of out patient visits. It actually comes out of inpatient visits. difficult child II was in hospital for 9 days, we have 20 per year, 1 inpatient day = 3 day program days, so 11 x 3 = 33 days at 80% coverage, which is better then nothing. I am hoping to get the $315.00 a day program vs the $1000.00 a day program.
We will see :wink:
