Bad news.

I took about a week off from writing in order to process some bad news. We found out that once and for all, our insurance will not cover Jack's therapy. This is after MONTHS (literally since June) of back and forth with them. They'd send a bill saying that it wasn't covered. We'd freak out and call, only to be assured that it was an error on their part and that it WAS covered...so we continued therapy and thus continued racking up the bills. Our therapy providers started to get upset because they weren't receiving payment, and for whatever reason couldn't figure out how to talk to the insurance themselves, so we had to be the go-between for them. Many stressful months of this, and finally we find out that we fit oh-so-nicely in a loophole between the mandates of both IL and WI. We're living and employed here in WI, but insurance and employer is located in IL.

The frustration and monetary stress is one thing, but what really sucks about the whole situation is that Jack is now no longer receiving therapy. He still gets some at school, but that's very little. We've gotten appointments scheduled at the hospital for speech/OT/PT but it still won't come close to the 20-25hrs weekly we were getting. It also means traveling to the hospital several times a week. Donnie can come, but he can't participate like he used to. It's all just very frustrating and heartbreaking. If our providers had been more willing to fight with us, maybe we would have taken it further...but the providers just aren't willing to work with us either.

We're still not 100% sure where the money is going to fall. The insurance has stated that they'd cover their portion as a misquote (it is probably upwards of $20,000) and we'd then be liable for our copays (which is fine). We'll see if they follow through and if that's what actually happens...