In April Blue Cross changed their policy and made my life a complete misery. What happened was that I have a doctor in New York, a specialist and researcher of Multiple Sclerosis, and have been seeing him for 15years..
I also get a very expensive treatment which Blue Cross has paid 80%. Without this treatment I will be in a wheelchair and in pain. The treatment is 80grams of gamma globulin once a month. I also get stem cells as a research program and both work together.
It is really helping me. My doctor is out of state and out of network and that was not a problem. I paid a $500US deductible and 20%.. Now I am an Independent wildlife fimmaker and the business has been bad and not getting much work.
So income is nil.. NOW Blue Cross new policy is they do not pay for out of network at all and out of state the doctor must be a member. BUT with a deductible of $3000 out of state and $1200 in state with a blue cross member--this is like a HMO.. I have a PPO.
ANyway I complained and they will pay 60 percent out of network with an over all deduable of $4200 plu $250 co-pay. I can not pay the 40% or the deducibles..
I am really in bad shape and now no one cares what happens to me.. I need the treatment and can not get help anywhere.