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foreversad.livejournal.comThis is cross posted all over the place, so I totally apologize in advance, seriously, to those who will see it multiple times. I don't know what to do with myself right now. I am in quite the bind. Let's see, I have been basically screwed over. Back in April, I was forced to go to the counseling center at my college, where I was put on meds and treated for bipolar II. I already had bipolar II, but I was unmedicated and ended up in a bit of a crisis. The counseling center at my school is not available over the summer, and I only got 1 refill of both my Lamictal and Risperdal. I am going to only have enough meds to probably last me into July and then I have to stop taking them. And I am scared. I work full time, well full time at my work is 30 hours, which is the maximum that I, personally, can work because of my condition and even that is getting really hard for me, but that's a whole other story. So, I work full time so that I can have health insurance. I work for CVS, which for those who don't have them where you like, is a pharmacy chain, like Brooks, Walgreens, Rite Aid, Osco, etc. Our insurance just switched to something else and the coverage for mental health is horrible, and I feel discriminated against because of it. First of all, I'll tell you about the mental health coverage. I had to do a lot of research to even find out about the mental health coverage in the first place, which made me angry. In order for me to get mental health services, I have to call my insurance company and tell them why I need to see someone and prove it to them somehow, and they will determine if it is valid or something and a code for my diagnosis goes on my record for them. Then, my insurance will cover like 80% or 70% of the cost, once I have met the $500 out of pocket deductable first. To see a pcp, I only have to pay $20/visit once the deductable is met, and a specialist is $30. psych stuff is expensive so it may be more that $20-$30 copay once I met the deductable and I only get 30 visits (most people only get 30 visits, but from what I read, it looks like that includes the stuff BEFORE I even pay the deductable. This is really not fair. And, with my insurance I have to pay $100 for an ER visit. I am very poor, so this is really not fair. I have to pay for all my own stuff to begin with, I cannot afford to be paying up front for $500. And, no, I don't have a pcp, nor do I have any psych counselors/pdocs right now because I was seeing them in school and they are not even available in the summer. It is June 4th, and I don't go back to school until September 7th. I really don't know what I am going to do. I am already in so much debt, I cannot afford to take any more of it on. I have no one to help me out with any of this, either. I don't know what to do. I am rather appalled, though, with my insurance. CVS claims to be on a mission to make everyone happy and healthy, yet we have horrible health insurance for us employees. How can we help others if we cannot help ourselves first?? I am really scared, though. I need to be on meds right now. I need to see a counselor. But I am poor, and I have horrible health insurance. And I have no support around me. Well, I wont take up anymore of your time. And, like I said earlier, this is cross posted all over the place, so I am sorry if you read this more than once!
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