I just wanted to post an update...
After venting on here this weekend, which I admit was quite cathartic, and going through a few PMs I got with advice, I finally had the motivation I needed to duke it out with my insurance company.
It took an argument with a supervisor that was, at minimum, quite draining. But, I think the results are fantastic.
The have agreed to the following:
1. Will pay for an initial visit/consultation with a psychiatrist and, based on his diagnosis, will cover medication. The psychiatrist is from a facility of their choosing and my copay is higher, but to me, still better than paying purely out of pocket.
2. Depending on his diagnosis (of which I hear there are strict guidelines, but they wouldn't tell me what they were) they may cover talk-therapy if it is recommended by the intial doctor. The doctor they will cover must be through a recommendation of my psychiatrist and must be at the same facility. Also with a higher than normal copay.
3. If they approve payment for medication and talk-therapy, it will be for, I think, 20 sessions. After that, my doctor has the option to re-up if based on my dianosis falling within strict insurance co guidelines.
Right now, I'm just hoping my doc knows my ins co inside and out so she doesn't diagnose me out of their guidelines accidentally!
So, the determination of the ins co was strict, but at least possible! 11 years is way too long to deal with this. My initial visit is on June 9th (couldn't afford the copay before then
) and I couldn't be more excited. I should probably take the excitement down a notch or else the doc is going to think I'm full of it when I tell him my symptoms
But I just wanted to post this for those in a similar situation. It IS possible to get help if you can muster up the energy for an argument with your HMO!