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Parent Support Forums
General Parenting
R there better insurance co's when considering a difficult child?
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<blockquote data-quote="slsh" data-source="post: 249386" data-attributes="member: 8"><p>I agree with- smallworld - you have to do a side by side comparison. I thought parity became law (no day limits on psychiatric admissions) somewhere recently (was it the first bailout?) but... I'm not sure. </p><p> </p><p>I avoid HMOs like the plague. We always pick the PPO option - it costs more but is worth it just to avoid all those referrals for medical care. Since we've moved to IL, regardless of what the medical ins. co is, the mental health portion has always been administered by a different company and there are always pre-authorizations involved, even for outpatient stuff (psychiatrist appts, etc.).</p></blockquote><p></p>
[QUOTE="slsh, post: 249386, member: 8"] I agree with- smallworld - you have to do a side by side comparison. I thought parity became law (no day limits on psychiatric admissions) somewhere recently (was it the first bailout?) but... I'm not sure. I avoid HMOs like the plague. We always pick the PPO option - it costs more but is worth it just to avoid all those referrals for medical care. Since we've moved to IL, regardless of what the medical ins. co is, the mental health portion has always been administered by a different company and there are always pre-authorizations involved, even for outpatient stuff (psychiatrist appts, etc.). [/QUOTE]
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R there better insurance co's when considering a difficult child?
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