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I could have put this in the other thread about my child ('cos you know, I know how much you love to hear about Child Rum and all her accomplishments and difficulties 
). However, this is really bugging me and I need to get this off my chest (and I need a place to really vent everything out in the open and using not nice phrases that I don't think I could get away with at CS.com).
Back on August 4, I got Child Rum evaluated by an Occupational Therapist. Occupation Therapy definition right here
I noticed she's regressed since being out of school, and though she does have homework that was given to her by her teacher, she's still having problems with writing certain letters, not sitting down when supposed to, needing help in everyday situations, etc., etc.
Now the insurance we have has a stipulation that reads that they will pay for physical therapy, occuapational therapy, and/or speech therapy or a combination of the 3 for 75 office visits. Anything over 75, the family/person/whomever pays out-of-pocket.
Right now, when I go to speech, it's $20/week. I talked to the Office Manager who said if I should go over the 75 visits, we'd have to pay $55/week out of pocket (an increase of $35).
The Occupational Therapy, as long as we're in this, is $20/week. I don't know what the out of pocket expense is if/when we go over the pre-requisite visits, I'm going to have to talk to them about it.
The 75 visits are per calendar year (January to December). We're good for this year as she'll have had I believe approximately 70-72 visits (that includes the OT I want to get her).
However, starting January 1, 2010, she'll get the full 75 visits again, but around the September timeframe, we're going to be running out of allowed visits and so we'd have 3 options:
1. Discontinue therapy until the beginning of January, 2011.
2. Pay both the out-of-pocket expenses to the speech and occupational therapies.
3. Ask both practies to write letters to our insurance saying that additional coverage is necessary and requesting they allow more visits under the $20/co-pay only fund.
As soon as I told Mr. Rum about how the OT people were recommending OT for Child Rum 1 x week for 50 minutes, he was "that's what? an extra $20 a week? $40 dollars? That's too much!"
We argued. I called my mom to get her advice (she ended up offering to pay for anything out of pocket if we needed it). He called his mother for her advice. She said to only go with the 75 visits and then stop the therapy until the next calendar year.
I was talking to a friend in IMs last night. I told him that I'd do anything to pay for the out of pocket expenses.
Mr. Rum doesn't want to pay anything out of pocket. And yet, in a given weekend, we've been known to pay $70-$100 eating out (Friday night to Sunday night). And yet he can't scrounge up an extra $40/week to pay for therapy needed for our child?
I told him that we can stop eating out so much. I've also called the cable company and told them I only want the digital package. (I was able to save an extra $12 by getting the HBO channel too, so I took it).
I'm cutting back on my magazine subscriptions. I'm only going to be getting one in the mail anymore. And I have promised myself not to pick anymore up at the grocery store anymore.
Am I justified in being angry/resentful/pissed off to the extreme about his attitude (and to a certain extent his mother's)? I really need help and I don't know where else to get it.
). However, this is really bugging me and I need to get this off my chest (and I need a place to really vent everything out in the open and using not nice phrases that I don't think I could get away with at CS.com).Back on August 4, I got Child Rum evaluated by an Occupational Therapist. Occupation Therapy definition right here
I noticed she's regressed since being out of school, and though she does have homework that was given to her by her teacher, she's still having problems with writing certain letters, not sitting down when supposed to, needing help in everyday situations, etc., etc.
Now the insurance we have has a stipulation that reads that they will pay for physical therapy, occuapational therapy, and/or speech therapy or a combination of the 3 for 75 office visits. Anything over 75, the family/person/whomever pays out-of-pocket.
Right now, when I go to speech, it's $20/week. I talked to the Office Manager who said if I should go over the 75 visits, we'd have to pay $55/week out of pocket (an increase of $35).
The Occupational Therapy, as long as we're in this, is $20/week. I don't know what the out of pocket expense is if/when we go over the pre-requisite visits, I'm going to have to talk to them about it.
The 75 visits are per calendar year (January to December). We're good for this year as she'll have had I believe approximately 70-72 visits (that includes the OT I want to get her).
However, starting January 1, 2010, she'll get the full 75 visits again, but around the September timeframe, we're going to be running out of allowed visits and so we'd have 3 options:
1. Discontinue therapy until the beginning of January, 2011.
2. Pay both the out-of-pocket expenses to the speech and occupational therapies.
3. Ask both practies to write letters to our insurance saying that additional coverage is necessary and requesting they allow more visits under the $20/co-pay only fund.
As soon as I told Mr. Rum about how the OT people were recommending OT for Child Rum 1 x week for 50 minutes, he was "that's what? an extra $20 a week? $40 dollars? That's too much!"
We argued. I called my mom to get her advice (she ended up offering to pay for anything out of pocket if we needed it). He called his mother for her advice. She said to only go with the 75 visits and then stop the therapy until the next calendar year.
I was talking to a friend in IMs last night. I told him that I'd do anything to pay for the out of pocket expenses.
Mr. Rum doesn't want to pay anything out of pocket. And yet, in a given weekend, we've been known to pay $70-$100 eating out (Friday night to Sunday night). And yet he can't scrounge up an extra $40/week to pay for therapy needed for our child?
I told him that we can stop eating out so much. I've also called the cable company and told them I only want the digital package. (I was able to save an extra $12 by getting the HBO channel too, so I took it).
I'm cutting back on my magazine subscriptions. I'm only going to be getting one in the mail anymore. And I have promised myself not to pick anymore up at the grocery store anymore.
Am I justified in being angry/resentful/pissed off to the extreme about his attitude (and to a certain extent his mother's)? I really need help and I don't know where else to get it.
Yeah ... It's boring, so sue me. 
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