I’m bipolar and every month I’m dealing with insurance medication denying extreme common, proven, and relatively cheap first-line medications. My insurance constantly requires exemptions and referrals for every step of my treatment. Even for things that have already been approved.
At this point, it would be cheaper and easier to manage everything myself. The only problem is, if I don’t use my insurance, the out of pocket maximum for inpatient treatment would be so expensive I’d refuse treatment and risk killing myself or harming other people. (Which is very much non-zero.)
As a child, my parents constantly fought insurance to get life-threatening allergies treated.
At this point, it would be cheaper and easier to manage everything myself. The only problem is, if I don’t use my insurance, the out of pocket maximum for inpatient treatment would be so expensive I’d refuse treatment and risk killing myself or harming other people. (Which is very much non-zero.)
As a child, my parents constantly fought insurance to get life-threatening allergies treated.