what to do.. pay cash or wait to find LLmd who takes bcbs

Bars, I can relate. I pay 10k for my insurance (family plan) and my ND is not covered by insurance. But after a couple visits and I realized that I was getting the best care I ever have, I cheerfully write my check (well willingly anyway) and am grateful every day that I can manage to pay the bill to receive that care.

The insurance companies (constantly cost more but cutting benefits) and regular medical system (which can't seem to treat people holistically at all) do indeed make me mad. It is crazy. It also deeply concerns me for people who cannot pay to go to a knowledgeable practitioner - everyone should have access to good medical care.

So my feeling is, if you get the care you need - it is worth every penny and be grateful- especially if what you get with your insurance does not help you heal - what good is the care that insurance buys if it ends up being just a waste of time and money and doesn't help you heal.

I might double check about the blood work though. Can you get it done somewhere else for a better rate? If not, the ease of doing everything in one place is a blessing.

You could try calling this doctor and ask if he/she has patients with BCBS who get reimbursed. My LLMD is an internist and does not accept insurance, but I have BCBS and the reimburse me at 70% and then once I meet my deductible, 100%.

I'm sure the doctor will understand that money is an issue and may be able to offer some insight into the matter - of course there's no 100% guarantee about out-of-network insurance, but it might be a place to start!

Or there's always the gray area option of starting with this doctor if you can afford to do so, and continue looking for one who does take insurance, though, I will say that is a tough thing to find, unfortunately. Good luck! I know these decisions are never, ever easy!

THanks everyone ,, just feeling overwhelmed,, but yes I think I will be going.. just by filling out the doctors questionnaire,, I know he knows how I feel,, what is happening. etc.. lots of questions.. lots of paper work,, ugh.. but yep just gonna do..

Plus bcbs will cover 60% since I have already paid out my deductable this year. so that is good news.

Heres to finding good health!

hope to be healthy i am sorry i can't really say anything to help except that i feel exactly like you do. i don't know if you have gone to any support groups or not yet but i am going for it on tuesday. their may be one in you're area if you dig deep in the search engines.

Good luck and be well.