We have been having some hiccups with Allie's insurance lately, all of which makes us nervous. We have a HMO that up until a couple weeks ago was fantastic. We have unlimited therapy, they haven't balked at all the specialists that we have seen, didn't hesitate to cover her $90,000 for a month of seizure medication, paid for her head re-shaping helmet (which we were told insurance companies rarely cover), and have been free flowing with the referrals to try different types of less-traditional therapy programs (constraint and aquatic).
However, they recently got a pediatric neurologist on staff and want us to meet with her instead of the pediatric stroke specialist who we have been seeing for the past year at the Children's Hospital. The pediatrician said that it is totally possible that the neurologist will recommend that we keep seeing the Children's group, in which case this won't be an issue at all, but the uncertainty is unnerving. We have an appointment with the new neurologist on Sept 17 and our plan is to make Allie's diagnosis seem as scary and possible so that we get bumped back to the specialist. I am hell-bent on sticking with our neurologist, who has been incredible throughout Allie's care. If all is going well, we will keep meeting jointly with her and Allie's physiatrist every 6 months. It is so cool getting two perspectives at the same time and having one less doctor's appointment. If things are not going well, the neurologist responds to email in the middle of the night and organizes brain storming sessions with other doctors to try to figure out what we can do. I love her.
Neither of these things are a deal breaker yet (the neurologist may be but we are withholding judgment until after our appointment) but it does raise some red flags. Our open season for changing insurance plans is in November so we may look into our other options just to be informed. I hate messing with an (almost) good thing.