self - insured anybody?

[Guest guest]

I am going through H#ll trying to get self-insured. I was just

denied coverage because a former doc prescribed Armour -- which

didn't help -- yet I didn't have a definitive diagnosis from him of

hypothyroidism. So, it's " unresolved " and hence I'm too risky to be

insured. My current doc has given me the diagnosis of " fatigue " .

She says that is a diagnosis. But the insurance companies balk at

that - ugh. I just started a new job and my employer is dragging his

feet about insuring me. Its a small outfit. He's worth a fortune

too. Just incredibly cheap. I have a script for cytomel but my doc

wants baseline labs first and I'd like an RT3 test first. I'm tempted

to just pay out of pocket tomorrow for the basic labs so I can start

my meds. My boss is also asking why I'm not seeing an

endocrinologist. One of the other employees, a man, has hypothyroid

and takes synthroid which he says has taken away his symptoms. I

have never seen an endocrinologist because my bloodwork is always

within range so I feel why bother? Maybe I should see one? The doc

I'm seeing now does not take insurance. My boss has been commenting

on how tired I look in the morning " Don't you sleep? " . Also, every

stranger I encounter asks " are you cold? " . I have brain fog and am

forgetful and have horrific muscle/joint pain. My cycle is messed up

and my hair and skin is dry. I am convinced there is a massive cover

up about secondary/subclinical hypothryoidism or whatever you want to

call it. It should not be this hard to get treatment for an OBVIOUS

TO EVERYONE I ENCOUNTER illness. Yet doctors covered by insurance

will not treat me because my labs are normal. Oh wait, they have

referred me to the shrink's couch. A drug conspiracy - ABSOLUTELY.

[Guest guest]

Yeah, I think you got it. I've played this game for many years---no

more. Insurance really is a joke and they run the show, not the

doctor. The best doctors do not take insurance so they can actually

practice medicine as they see fit and help the patient. The problem

is that most people can't afford it.

My husband is self-employeed and when we looked into insurance, they

wouldn't cover me because I had thyroid surgery when I was 27 years

old. We found a catastophic insurance with a $20,000 deductible. I

prefer paying cash anyway. Most doctors will give a discount for

self-pay and I have found that some doctors will work with you in your

treatment simply because they don't have to deal with the bone-head

insurance companies.

>

>

> I am going through H#ll trying to get self-insured. I was just

> denied coverage because a former doc prescribed Armour -- which

> didn't help -- yet I didn't have a definitive diagnosis from him of

> hypothyroidism. So, it's " unresolved " and hence I'm too risky to be

> insured. My current doc has given me the diagnosis of " fatigue " .

> She says that is a diagnosis. But the insurance companies balk at

> that - ugh. I just started a new job and my employer is dragging his

> feet about insuring me. Its a small outfit. He's worth a fortune

> too. Just incredibly cheap. I have a script for cytomel but my doc

> wants baseline labs first and I'd like an RT3 test first. I'm tempted

> to just pay out of pocket tomorrow for the basic labs so I can start

> my meds. My boss is also asking why I'm not seeing an

> endocrinologist. One of the other employees, a man, has hypothyroid

> and takes synthroid which he says has taken away his symptoms. I

> have never seen an endocrinologist because my bloodwork is always

> within range so I feel why bother? Maybe I should see one? The doc

> I'm seeing now does not take insurance. My boss has been commenting

> on how tired I look in the morning " Don't you sleep? " . Also, every

> stranger I encounter asks " are you cold? " . I have brain fog and am

> forgetful and have horrific muscle/joint pain. My cycle is messed up

> and my hair and skin is dry. I am convinced there is a massive cover

> up about secondary/subclinical hypothryoidism or whatever you want to

> call it. It should not be this hard to get treatment for an OBVIOUS

> TO EVERYONE I ENCOUNTER illness. Yet doctors covered by insurance

> will not treat me because my labs are normal. Oh wait, they have

> referred me to the shrink's couch. A drug conspiracy - ABSOLUTELY.

>