So, I reached a point in my downward spiral that I had to take action. I requested 6 weeks unpaid leave from my office to intensively work on my recovery. I know I won't "fix" my OCD, but I need to make substantial steps so I can reach the stability I need to go back to work. Because I've taken the risk to leave work for an extended period of time, I must make sure I get the help I need.
It was estimated that I would be in four weeks of full day treatement, then stepped down to half days for an appropriate amount of time. I know that my insurance covers up to 30 days of full days per year, so this should be no problem, right?
After just 9 days of full days, 4.5 of which were family days and therefore not the same level of treatment (very informative for family members, and my husband was able to be there, but our regular classes that I desperately need were cancelled), my insurance company decided that I must move to half days. Without getting into all of the logistics, I'll just say I can only do two weeks of half days without losing insurance coverage that I need for the rest of the year.
So I am fighting with every resource I have to get one more week of full days. Ultimately, I think one more week of full days followed by two weeks of half days would give me enough time to reach the level of recovery that I need to go back to work. Unfortunately, there's a very good chance that I'll have to pay out of pocket for that week, which is a significant amount of my savings.
It has been painfully clear since I started seeking treatment that my insurance company does not give a rat's ass about mental health, and the "benefits" of my policy are not meant to provide the assistance needed for crisis management.
Needless to say, I am really angry and frustrated. I have to wait until Monday to do anything about it, or even speak to a representative about it. Right now, I don't even know if my insurance will cover half days if I choose to pay out of pocket for full days before going to that.
When you are in need of serious help for mental illness, the last thing you need is the insurance company jerking you around and refusing to pay for the necessary care.