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This is primarily focused on the US health insurance market.
Insurance, or lack thereof, has been one of my biggest barriers to getting help. I go through a cycle of getting a new job, waiting the waiting period to get insurance, waiting the several months to get an appointment with a new primary care, getting bloodwork, explaining why I think something is off, getting diagnosed with anxiety and getting treatment for that....then burning out and being unemployed and uninsured for awhile (before the ACA) then finally getting a new job, waiting waiting waiting, getting diagnosed with depression and getting treated for that....then burning out and being unemployed and uninsured for awhile.....
Its exhausting. Well last year I enrolled through the marketplace as Im only a part time employee with no insurance offered through my job (best thing for me! Ive worked the longest without a burnout) But I was so focused on what I could afford, I got some super shitty plan with like a max out of pocket of $500 so I thought it was great but turns out its a major headache to get anything done. Its certainly a plan servicing low income which is great! but means the appointments are horribly overbooked. An appointment at 1 meant I didnt see the dr until 5. And seeing a specialist meant needing a referral. And the list of specialists available in network were super slim choosing, with the closest one over an hour away. Theres more but I mean its just been a huge motivation killer.
Now that open enrollment is back, im trying to read through the plan PDFs much more thoroughly and taking my time. I have a verbal diagnosis from a telehealth psychiatrist (offered through a previous employers insurance) but none of my documentation from them shows it, so Im still starting from scratch.
Id just love to know what sort of pain points in your insurance have you discovered while dealing with your ADHD? Any jargon to be on the lookout for that means more headache than usual? I know things like deductibles and premiums and copays will all depend more on individual needs, so more broadly, what are some plan details you have learned matter most when it comes to your ADHD treatment?
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