Our mailman is a slacker. He looks like he's 16 and a total smoker. We're lucky if he arrives by 5 p.m. - often times, like today, he delivers our mail after dark. This can cause problems like it has this evening. You see, in today's mail was an explanation of benefits (EOB) from our insurance company DENYING coverage for Will's speech and occupational therapy he's been receiving since June. According to the EOB, these services aren't "medically necessary" and since our insurance only covers things that are "medically necessary," they won't cover the services.
This is interesting. Back in June, I called our insurance company to see if things like speech and occupational therapy are covered under our policy. I was informed that they are as long as we have a doctor's referral. Well, we have one of those, so I'm not sure what the problem is. Even more interesting is the fact that they had previously approved coverage according to early EOBs, so why now are they denying coverage? I'm guessing it's because some pencil-pusher that the insurance company pays six figures to annual to review files and deny coverage finally came upon ours and decided that Will doesn't medically need speech and occupational therapy. Of course, this is just a guess because I can't actually find out what's going on because our mail was delivered so late and it's too late to call! Actually, it's probably a good thing because I'm emotional, and emotions and insurance companies don't mix. I'm going to have to put on my mommy/lawyer hat tomorrow morning when I make the call.
Let Cigna deny coverage for these services. I will write to every news outlet I can think of to tell our story. I think it's a captivating one - NFL player's 4-year-old son denied treatment. Hm. I bet I can find some interested parties in this story.
On a good note, I have some Will-isms for the day. Will was looking at a book this morning and grabbed Ryan's finger and pointed at an exclamation point and asked what it was. He literally said, "What is this?" He asked the same question about a question mark. I guess he recognized all the letters on the page but not the punctuation.
Even cooler - Will and I were playing this afternoon. I put my hand on my hips because I was tired of chasing him around. He put his hands on his hips. I put my arms down at my side - so did he. He was actually copying my movements. I was able to get him to do it again this evening - he even copied when I did spirit fingers! Ryan wasn't too happy about that and I promised I wouldn't make Will do that again! :)
It would just be devastating if we had to stop his services because our insurance company won't cover them. We aren't rich - nowhere close. We would not be able to afford to continue Will's services. So please send us some good vibes - I'm gearing up for a fight!