Of urologists, insurance and BS

I mentioned that I needed to tell the story about how Hubbins came to be in the condition that he was in to end up in ICU.

For almost a month, I had been trying to get Hubbins help through his shitty insurance. You see, Hubbins has a pre-existing condition. So insurance companies won't cover him, therefore he gets state insurance. The state insurance was doing ok, until they got this brilliant idea to screw everyone over and move them to two new-to-our state insurance plans. No test drive, just 1-2-3 SWITCH!

So it was a scramble to try and pick the lesser of two evils. Apparently, we picked the wrong one. See Hubbins current urologist, he's been treating Hubbins without seeing him. We had already gone to his primary, we had already done bladder and prostate ultrasounds. They came back normal. We were at the point where the primary said it was out of her scope and we had to see the urologist. So, I called up the urologist and tried to explain the problem to the heartless bitch nurse on the phone.

Let's just say she didn't even know what quadriplegia meant. The urologist ended up throwing antibiotics at Hubbins and we scheduled an appointment for 3 weeks later. These antibiotics killed the good bacteria that was trying to kill off the yeast in his bladder and that's how we were able to see that he physically had a yeast infection. However, that also caused the yeast to be stronger and multiply faster.

Don't think I sat around waiting. I called all 13 urologists in the book that were supposedly covered by his insurance. Not one but the one he was already seeing was covered by his insurance. Every single one I called told me that they no longer accept his insurance.

When I called his worker at the insurance company, before I could get to him, I dealt with 3 different people who tried to give me the same 13 numbers. I explained to each of them how those doctors weren't accepting their insurance. Finally, I was passed through to the case worker who did the same thing. I was made to call like a dumbass these doctors again and speak to their billing department who confirmed what I had already been told. No go.

So that meant that the insurance company had to make an individual contract with a urologist. That meant getting a referral from the primary and that meant waiting for the insurance company to deny or approve it.

We got the approval after he was in ICU already.

Did you know that if a person is on state insurance, that person or someone else can't pay cash for the "insured" person to see a doctor? It's against the law for the doctor to accept money from a state insured person. I guess it's just so much better that the person die while the state gets their shit together, no?

Oh and even with the approval, the urologist is not accepting that insurance. Apparently, this insurance doesn't pay their bills. Lovely, eh?