Last Saturday, we received a letter from KayTar's amazing insurance company. Through all of the testing, all of the claims, all of the specialists, we have never once had a problem with them. No arguing over what was covered and what wasn't. No refusal to pay. No arguments over pre-existing conditions. We have saved between ten and twenty thousand dollars in the past ten months. Sure, we pay a pretty penny for this coverage, but if you do the math, it is not even a drop in the bucket compared to what we are NOT having to pay our of pocket. A single blood test ran approximately $3,000 dollars. One test! Do you know how much we paid out of pocket? $0.00. Labs, all labs, are fully covered. No co-pay, no percentage, no stipulations on what tests are covered. It was just paid for.
Back to the letter, KayTar's insurance is being canceled. Not only KayTar's, but the entire program. In nine months, it will cease to exist. The company sited many reasons; after offering the program for six years, they haven't generated enough interest; they have the one of the highest premiums in the individual market; and so on. Those things don't matter to us, though. We don't care how many members there are, or if we have to pay higher premiums because of it. We don't care that the premiums are so high, because the quality of the coverage is invaluable. Okay, maybe not completely invaluable, if what we had paid in exceeded their coverage, then it would be a problem, but our premiums are not close to having equaled twenty thousand dollars over the past ten months. Not close at all.
And so we have nine months for find a new insurance company. Nine months is a long time, I understand that. It is the length of a human pregnancy. Ask a pregnant woman, nine months is a long time. I am thankful that they have given us nine months to birth an new insurance policy, but I am incredibly stressed about finding comparable coverage. I am worried that so many of KayTar's issues will be stamped with "pre-existing condition" and the company will refuse to pay. I am worried we won't find a company that covers our pediatrician (who I will not give up) and all of her specialists. I am worried that her therapeutic needs will not be covered. I am just worried.
The current insurance company continues to be amazing, they have sent us information on all the companies who provide individual medical coverage for children and they have even offered to provide us with an agent to help us find coverage. They have established a fund to assist families with children who can only be covered with pricey high risk pool insurance. They have sent lots of information to help us through the transition. But once we come out from under their umbrella, I am concerned that KayTar's care will be more difficult, that we will have to fight to get her proper services, and that we will be paying much more than we currently are out of pocket.
The next time I speak with our pediatrician, I'm going to request knocking out any additional tests in the next nine months, when we are sure she is adequately covered. I'll also find out what plans her office accepts and KayTar's specialists accept and cross check those with the list our provider sent to us. Once I have that list, I'll call those companies and ask them about their coverage in the areas I am most concerned about. I know we can handle this and get the best outcome possible from the situation, but I am concerned that the best possible outcome will not measure up to our current situation. I wish we weren't being forced into making a switch at all.