Insurance

I'm beyond frustrated with our insurance right now!  We found out in February that Levi is on the autism spectrum.  Since then, we've run an emotional gamut and questioned every decision we've made regarding treatments.  Finally, this fall we made a few decisions and began seeking support services.  Our first stop was The Thompson Center at MU in Columbia, MO.  Amazing facility!  On our initial visit, we met with a doctor that specializes in treating children with ASD's, a nutritionist, a speech therapist and a resources coordinator.  We left the visit feeling like we finally had a plan on how to move forward.  We found out very soon after that visit that our insurance will not cover any services provided by this facility and we will be paying for the entire visit out of pocket!  Our next approach was to try to find providers in the KC area that we could work with.  We met a fantastic lady in Excelsior Springs that could provide ABA therapy.  Again, we soon found out that our insurance would not cover these services so to utilize them we would, once again, have to pay out of pocket.  It turns out that our insurance provider won't cover any therapy services related to autism.  As long as our school district provides therapy, our insurance provider is under no obligation to provide Levi with any additional services.  This led us to examine medications.  If the only therapy that he is going to receive is through school, we decided that it might be best if we try medicine to help him stay focused during his school therapy sessions so that he can make those most of that time.  When we talked to the pharmacy about the cost of these medications, we found out that our cost would be approximately $175 for a one-month supply!  What the hell are we supposed to do?!  I feel so freakin' defeated right now.  Do they honestly expect us to pay out of pocket?  How does anyone afford that?  I HATE OUR INSURANCE!