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In a message dated 11/6/01 10:14:04 AM US Mountain Standard Time,

sbyrne@... writes:

<< They are also atrocious at covering physical therapy >>

Blue Cross Blue Shield also paid for 80 plus sessions of speech therapy for 2

years in a row when all the therapists were telling me that insurance

companies cap at 35-40 visits per year no matter what. The only reason I

share this info is because we hear so many horror stories about insurance

companies and I want to encourage some people on this list that haven't gone

through this yet..........that there are some good stories too! I have also

appealed for orthodontic work for Brett with Intergroup after they said there

is NO way they will cover orthodontics. I came with facts in hand that he

would need jaw surgery in the future if they didn't pay for orthodontics

now...........that convinced them. Now we are with Aetna and it is a whole

different company............you just have to learn how to deal with each

company and find one person to deal with if possible. I am currently fighting

for more speech therapy for Brett because we have exhausted our speech

benefits..............but I will keep trying.

Yours in Him,

Mickey

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In a message dated 11/6/01 10:14:04 AM US Mountain Standard Time,

sbyrne@... writes:

<< They are also atrocious at covering physical therapy >>

Blue Cross Blue Shield also paid for 80 plus sessions of speech therapy for 2

years in a row when all the therapists were telling me that insurance

companies cap at 35-40 visits per year no matter what. The only reason I

share this info is because we hear so many horror stories about insurance

companies and I want to encourage some people on this list that haven't gone

through this yet..........that there are some good stories too! I have also

appealed for orthodontic work for Brett with Intergroup after they said there

is NO way they will cover orthodontics. I came with facts in hand that he

would need jaw surgery in the future if they didn't pay for orthodontics

now...........that convinced them. Now we are with Aetna and it is a whole

different company............you just have to learn how to deal with each

company and find one person to deal with if possible. I am currently fighting

for more speech therapy for Brett because we have exhausted our speech

benefits..............but I will keep trying.

Yours in Him,

Mickey

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In a message dated 11/6/01 10:14:04 AM US Mountain Standard Time,

sbyrne@... writes:

<< They are also atrocious at covering physical therapy >>

Blue Cross Blue Shield also paid for 80 plus sessions of speech therapy for 2

years in a row when all the therapists were telling me that insurance

companies cap at 35-40 visits per year no matter what. The only reason I

share this info is because we hear so many horror stories about insurance

companies and I want to encourage some people on this list that haven't gone

through this yet..........that there are some good stories too! I have also

appealed for orthodontic work for Brett with Intergroup after they said there

is NO way they will cover orthodontics. I came with facts in hand that he

would need jaw surgery in the future if they didn't pay for orthodontics

now...........that convinced them. Now we are with Aetna and it is a whole

different company............you just have to learn how to deal with each

company and find one person to deal with if possible. I am currently fighting

for more speech therapy for Brett because we have exhausted our speech

benefits..............but I will keep trying.

Yours in Him,

Mickey

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In a message dated 11/6/01 10:14:04 AM US Mountain Standard Time,

sbyrne@... writes:

<< They are also atrocious at covering physical therapy >>

Blue Cross Blue Shield also paid for 80 plus sessions of speech therapy for 2

years in a row when all the therapists were telling me that insurance

companies cap at 35-40 visits per year no matter what. The only reason I

share this info is because we hear so many horror stories about insurance

companies and I want to encourage some people on this list that haven't gone

through this yet..........that there are some good stories too! I have also

appealed for orthodontic work for Brett with Intergroup after they said there

is NO way they will cover orthodontics. I came with facts in hand that he

would need jaw surgery in the future if they didn't pay for orthodontics

now...........that convinced them. Now we are with Aetna and it is a whole

different company............you just have to learn how to deal with each

company and find one person to deal with if possible. I am currently fighting

for more speech therapy for Brett because we have exhausted our speech

benefits..............but I will keep trying.

Yours in Him,

Mickey

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In a message dated 11/6/01 10:14:04 AM US Mountain Standard Time,

sbyrne@... writes:

<< They are also atrocious at covering physical therapy >>

Blue Cross Blue Shield also paid for 80 plus sessions of speech therapy for 2

years in a row when all the therapists were telling me that insurance

companies cap at 35-40 visits per year no matter what. The only reason I

share this info is because we hear so many horror stories about insurance

companies and I want to encourage some people on this list that haven't gone

through this yet..........that there are some good stories too! I have also

appealed for orthodontic work for Brett with Intergroup after they said there

is NO way they will cover orthodontics. I came with facts in hand that he

would need jaw surgery in the future if they didn't pay for orthodontics

now...........that convinced them. Now we are with Aetna and it is a whole

different company............you just have to learn how to deal with each

company and find one person to deal with if possible. I am currently fighting

for more speech therapy for Brett because we have exhausted our speech

benefits..............but I will keep trying.

Yours in Him,

Mickey

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In a message dated 11/6/01 10:14:04 AM US Mountain Standard Time,

sbyrne@... writes:

<< They are also atrocious at covering physical therapy >>

Blue Cross Blue Shield also paid for 80 plus sessions of speech therapy for 2

years in a row when all the therapists were telling me that insurance

companies cap at 35-40 visits per year no matter what. The only reason I

share this info is because we hear so many horror stories about insurance

companies and I want to encourage some people on this list that haven't gone

through this yet..........that there are some good stories too! I have also

appealed for orthodontic work for Brett with Intergroup after they said there

is NO way they will cover orthodontics. I came with facts in hand that he

would need jaw surgery in the future if they didn't pay for orthodontics

now...........that convinced them. Now we are with Aetna and it is a whole

different company............you just have to learn how to deal with each

company and find one person to deal with if possible. I am currently fighting

for more speech therapy for Brett because we have exhausted our speech

benefits..............but I will keep trying.

Yours in Him,

Mickey

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In a message dated 11/6/01 10:14:04 AM US Mountain Standard Time,

sbyrne@... writes:

<< They are also atrocious at covering physical therapy >>

Blue Cross Blue Shield also paid for 80 plus sessions of speech therapy for 2

years in a row when all the therapists were telling me that insurance

companies cap at 35-40 visits per year no matter what. The only reason I

share this info is because we hear so many horror stories about insurance

companies and I want to encourage some people on this list that haven't gone

through this yet..........that there are some good stories too! I have also

appealed for orthodontic work for Brett with Intergroup after they said there

is NO way they will cover orthodontics. I came with facts in hand that he

would need jaw surgery in the future if they didn't pay for orthodontics

now...........that convinced them. Now we are with Aetna and it is a whole

different company............you just have to learn how to deal with each

company and find one person to deal with if possible. I am currently fighting

for more speech therapy for Brett because we have exhausted our speech

benefits..............but I will keep trying.

Yours in Him,

Mickey

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In a message dated 11/6/01 10:14:04 AM US Mountain Standard Time,

sbyrne@... writes:

<< They are also atrocious at covering physical therapy >>

Blue Cross Blue Shield also paid for 80 plus sessions of speech therapy for 2

years in a row when all the therapists were telling me that insurance

companies cap at 35-40 visits per year no matter what. The only reason I

share this info is because we hear so many horror stories about insurance

companies and I want to encourage some people on this list that haven't gone

through this yet..........that there are some good stories too! I have also

appealed for orthodontic work for Brett with Intergroup after they said there

is NO way they will cover orthodontics. I came with facts in hand that he

would need jaw surgery in the future if they didn't pay for orthodontics

now...........that convinced them. Now we are with Aetna and it is a whole

different company............you just have to learn how to deal with each

company and find one person to deal with if possible. I am currently fighting

for more speech therapy for Brett because we have exhausted our speech

benefits..............but I will keep trying.

Yours in Him,

Mickey

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In a message dated 11/6/01 10:14:04 AM US Mountain Standard Time,

sbyrne@... writes:

<< They are also atrocious at covering physical therapy >>

Blue Cross Blue Shield also paid for 80 plus sessions of speech therapy for 2

years in a row when all the therapists were telling me that insurance

companies cap at 35-40 visits per year no matter what. The only reason I

share this info is because we hear so many horror stories about insurance

companies and I want to encourage some people on this list that haven't gone

through this yet..........that there are some good stories too! I have also

appealed for orthodontic work for Brett with Intergroup after they said there

is NO way they will cover orthodontics. I came with facts in hand that he

would need jaw surgery in the future if they didn't pay for orthodontics

now...........that convinced them. Now we are with Aetna and it is a whole

different company............you just have to learn how to deal with each

company and find one person to deal with if possible. I am currently fighting

for more speech therapy for Brett because we have exhausted our speech

benefits..............but I will keep trying.

Yours in Him,

Mickey

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Share on other sites

In a message dated 11/6/01 10:14:04 AM US Mountain Standard Time,

sbyrne@... writes:

<< They are also atrocious at covering physical therapy >>

Blue Cross Blue Shield also paid for 80 plus sessions of speech therapy for 2

years in a row when all the therapists were telling me that insurance

companies cap at 35-40 visits per year no matter what. The only reason I

share this info is because we hear so many horror stories about insurance

companies and I want to encourage some people on this list that haven't gone

through this yet..........that there are some good stories too! I have also

appealed for orthodontic work for Brett with Intergroup after they said there

is NO way they will cover orthodontics. I came with facts in hand that he

would need jaw surgery in the future if they didn't pay for orthodontics

now...........that convinced them. Now we are with Aetna and it is a whole

different company............you just have to learn how to deal with each

company and find one person to deal with if possible. I am currently fighting

for more speech therapy for Brett because we have exhausted our speech

benefits..............but I will keep trying.

Yours in Him,

Mickey

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Share on other sites

In a message dated 11/6/01 10:14:04 AM US Mountain Standard Time,

sbyrne@... writes:

<< They are also atrocious at covering physical therapy >>

Blue Cross Blue Shield also paid for 80 plus sessions of speech therapy for 2

years in a row when all the therapists were telling me that insurance

companies cap at 35-40 visits per year no matter what. The only reason I

share this info is because we hear so many horror stories about insurance

companies and I want to encourage some people on this list that haven't gone

through this yet..........that there are some good stories too! I have also

appealed for orthodontic work for Brett with Intergroup after they said there

is NO way they will cover orthodontics. I came with facts in hand that he

would need jaw surgery in the future if they didn't pay for orthodontics

now...........that convinced them. Now we are with Aetna and it is a whole

different company............you just have to learn how to deal with each

company and find one person to deal with if possible. I am currently fighting

for more speech therapy for Brett because we have exhausted our speech

benefits..............but I will keep trying.

Yours in Him,

Mickey

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In a message dated 11/6/01 10:14:04 AM US Mountain Standard Time,

sbyrne@... writes:

<< They are also atrocious at covering physical therapy >>

Blue Cross Blue Shield also paid for 80 plus sessions of speech therapy for 2

years in a row when all the therapists were telling me that insurance

companies cap at 35-40 visits per year no matter what. The only reason I

share this info is because we hear so many horror stories about insurance

companies and I want to encourage some people on this list that haven't gone

through this yet..........that there are some good stories too! I have also

appealed for orthodontic work for Brett with Intergroup after they said there

is NO way they will cover orthodontics. I came with facts in hand that he

would need jaw surgery in the future if they didn't pay for orthodontics

now...........that convinced them. Now we are with Aetna and it is a whole

different company............you just have to learn how to deal with each

company and find one person to deal with if possible. I am currently fighting

for more speech therapy for Brett because we have exhausted our speech

benefits..............but I will keep trying.

Yours in Him,

Mickey

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In a message dated 11/6/01 10:14:04 AM US Mountain Standard Time,

sbyrne@... writes:

<< They are also atrocious at covering physical therapy >>

Blue Cross Blue Shield also paid for 80 plus sessions of speech therapy for 2

years in a row when all the therapists were telling me that insurance

companies cap at 35-40 visits per year no matter what. The only reason I

share this info is because we hear so many horror stories about insurance

companies and I want to encourage some people on this list that haven't gone

through this yet..........that there are some good stories too! I have also

appealed for orthodontic work for Brett with Intergroup after they said there

is NO way they will cover orthodontics. I came with facts in hand that he

would need jaw surgery in the future if they didn't pay for orthodontics

now...........that convinced them. Now we are with Aetna and it is a whole

different company............you just have to learn how to deal with each

company and find one person to deal with if possible. I am currently fighting

for more speech therapy for Brett because we have exhausted our speech

benefits..............but I will keep trying.

Yours in Him,

Mickey

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In a message dated 11/6/01 10:14:04 AM US Mountain Standard Time,

sbyrne@... writes:

<< They are also atrocious at covering physical therapy >>

Blue Cross Blue Shield also paid for 80 plus sessions of speech therapy for 2

years in a row when all the therapists were telling me that insurance

companies cap at 35-40 visits per year no matter what. The only reason I

share this info is because we hear so many horror stories about insurance

companies and I want to encourage some people on this list that haven't gone

through this yet..........that there are some good stories too! I have also

appealed for orthodontic work for Brett with Intergroup after they said there

is NO way they will cover orthodontics. I came with facts in hand that he

would need jaw surgery in the future if they didn't pay for orthodontics

now...........that convinced them. Now we are with Aetna and it is a whole

different company............you just have to learn how to deal with each

company and find one person to deal with if possible. I am currently fighting

for more speech therapy for Brett because we have exhausted our speech

benefits..............but I will keep trying.

Yours in Him,

Mickey

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In a message dated 11/6/01 10:14:04 AM US Mountain Standard Time,

sbyrne@... writes:

<< They are also atrocious at covering physical therapy >>

Blue Cross Blue Shield also paid for 80 plus sessions of speech therapy for 2

years in a row when all the therapists were telling me that insurance

companies cap at 35-40 visits per year no matter what. The only reason I

share this info is because we hear so many horror stories about insurance

companies and I want to encourage some people on this list that haven't gone

through this yet..........that there are some good stories too! I have also

appealed for orthodontic work for Brett with Intergroup after they said there

is NO way they will cover orthodontics. I came with facts in hand that he

would need jaw surgery in the future if they didn't pay for orthodontics

now...........that convinced them. Now we are with Aetna and it is a whole

different company............you just have to learn how to deal with each

company and find one person to deal with if possible. I am currently fighting

for more speech therapy for Brett because we have exhausted our speech

benefits..............but I will keep trying.

Yours in Him,

Mickey

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In a message dated 11/6/01 10:14:04 AM US Mountain Standard Time,

sbyrne@... writes:

<< They are also atrocious at covering physical therapy >>

Blue Cross Blue Shield also paid for 80 plus sessions of speech therapy for 2

years in a row when all the therapists were telling me that insurance

companies cap at 35-40 visits per year no matter what. The only reason I

share this info is because we hear so many horror stories about insurance

companies and I want to encourage some people on this list that haven't gone

through this yet..........that there are some good stories too! I have also

appealed for orthodontic work for Brett with Intergroup after they said there

is NO way they will cover orthodontics. I came with facts in hand that he

would need jaw surgery in the future if they didn't pay for orthodontics

now...........that convinced them. Now we are with Aetna and it is a whole

different company............you just have to learn how to deal with each

company and find one person to deal with if possible. I am currently fighting

for more speech therapy for Brett because we have exhausted our speech

benefits..............but I will keep trying.

Yours in Him,

Mickey

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In a message dated 11/6/01 10:14:04 AM US Mountain Standard Time,

sbyrne@... writes:

<< They are also atrocious at covering physical therapy >>

Blue Cross Blue Shield also paid for 80 plus sessions of speech therapy for 2

years in a row when all the therapists were telling me that insurance

companies cap at 35-40 visits per year no matter what. The only reason I

share this info is because we hear so many horror stories about insurance

companies and I want to encourage some people on this list that haven't gone

through this yet..........that there are some good stories too! I have also

appealed for orthodontic work for Brett with Intergroup after they said there

is NO way they will cover orthodontics. I came with facts in hand that he

would need jaw surgery in the future if they didn't pay for orthodontics

now...........that convinced them. Now we are with Aetna and it is a whole

different company............you just have to learn how to deal with each

company and find one person to deal with if possible. I am currently fighting

for more speech therapy for Brett because we have exhausted our speech

benefits..............but I will keep trying.

Yours in Him,

Mickey

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In a message dated 11/6/01 10:14:04 AM US Mountain Standard Time,

sbyrne@... writes:

<< They are also atrocious at covering physical therapy >>

Blue Cross Blue Shield also paid for 80 plus sessions of speech therapy for 2

years in a row when all the therapists were telling me that insurance

companies cap at 35-40 visits per year no matter what. The only reason I

share this info is because we hear so many horror stories about insurance

companies and I want to encourage some people on this list that haven't gone

through this yet..........that there are some good stories too! I have also

appealed for orthodontic work for Brett with Intergroup after they said there

is NO way they will cover orthodontics. I came with facts in hand that he

would need jaw surgery in the future if they didn't pay for orthodontics

now...........that convinced them. Now we are with Aetna and it is a whole

different company............you just have to learn how to deal with each

company and find one person to deal with if possible. I am currently fighting

for more speech therapy for Brett because we have exhausted our speech

benefits..............but I will keep trying.

Yours in Him,

Mickey

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In a message dated 11/6/01 10:14:04 AM US Mountain Standard Time,

sbyrne@... writes:

<< They are also atrocious at covering physical therapy >>

Blue Cross Blue Shield also paid for 80 plus sessions of speech therapy for 2

years in a row when all the therapists were telling me that insurance

companies cap at 35-40 visits per year no matter what. The only reason I

share this info is because we hear so many horror stories about insurance

companies and I want to encourage some people on this list that haven't gone

through this yet..........that there are some good stories too! I have also

appealed for orthodontic work for Brett with Intergroup after they said there

is NO way they will cover orthodontics. I came with facts in hand that he

would need jaw surgery in the future if they didn't pay for orthodontics

now...........that convinced them. Now we are with Aetna and it is a whole

different company............you just have to learn how to deal with each

company and find one person to deal with if possible. I am currently fighting

for more speech therapy for Brett because we have exhausted our speech

benefits..............but I will keep trying.

Yours in Him,

Mickey

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In a message dated 11/6/01 10:14:04 AM US Mountain Standard Time,

sbyrne@... writes:

<< They are also atrocious at covering physical therapy >>

Blue Cross Blue Shield also paid for 80 plus sessions of speech therapy for 2

years in a row when all the therapists were telling me that insurance

companies cap at 35-40 visits per year no matter what. The only reason I

share this info is because we hear so many horror stories about insurance

companies and I want to encourage some people on this list that haven't gone

through this yet..........that there are some good stories too! I have also

appealed for orthodontic work for Brett with Intergroup after they said there

is NO way they will cover orthodontics. I came with facts in hand that he

would need jaw surgery in the future if they didn't pay for orthodontics

now...........that convinced them. Now we are with Aetna and it is a whole

different company............you just have to learn how to deal with each

company and find one person to deal with if possible. I am currently fighting

for more speech therapy for Brett because we have exhausted our speech

benefits..............but I will keep trying.

Yours in Him,

Mickey

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In a message dated 11/6/01 10:14:04 AM US Mountain Standard Time,

sbyrne@... writes:

<< They are also atrocious at covering physical therapy >>

Blue Cross Blue Shield also paid for 80 plus sessions of speech therapy for 2

years in a row when all the therapists were telling me that insurance

companies cap at 35-40 visits per year no matter what. The only reason I

share this info is because we hear so many horror stories about insurance

companies and I want to encourage some people on this list that haven't gone

through this yet..........that there are some good stories too! I have also

appealed for orthodontic work for Brett with Intergroup after they said there

is NO way they will cover orthodontics. I came with facts in hand that he

would need jaw surgery in the future if they didn't pay for orthodontics

now...........that convinced them. Now we are with Aetna and it is a whole

different company............you just have to learn how to deal with each

company and find one person to deal with if possible. I am currently fighting

for more speech therapy for Brett because we have exhausted our speech

benefits..............but I will keep trying.

Yours in Him,

Mickey

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In a message dated 11/6/01 10:14:04 AM US Mountain Standard Time,

sbyrne@... writes:

<< They are also atrocious at covering physical therapy >>

Blue Cross Blue Shield also paid for 80 plus sessions of speech therapy for 2

years in a row when all the therapists were telling me that insurance

companies cap at 35-40 visits per year no matter what. The only reason I

share this info is because we hear so many horror stories about insurance

companies and I want to encourage some people on this list that haven't gone

through this yet..........that there are some good stories too! I have also

appealed for orthodontic work for Brett with Intergroup after they said there

is NO way they will cover orthodontics. I came with facts in hand that he

would need jaw surgery in the future if they didn't pay for orthodontics

now...........that convinced them. Now we are with Aetna and it is a whole

different company............you just have to learn how to deal with each

company and find one person to deal with if possible. I am currently fighting

for more speech therapy for Brett because we have exhausted our speech

benefits..............but I will keep trying.

Yours in Him,

Mickey

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In a message dated 11/6/01 10:14:04 AM US Mountain Standard Time,

sbyrne@... writes:

<< They are also atrocious at covering physical therapy >>

Blue Cross Blue Shield also paid for 80 plus sessions of speech therapy for 2

years in a row when all the therapists were telling me that insurance

companies cap at 35-40 visits per year no matter what. The only reason I

share this info is because we hear so many horror stories about insurance

companies and I want to encourage some people on this list that haven't gone

through this yet..........that there are some good stories too! I have also

appealed for orthodontic work for Brett with Intergroup after they said there

is NO way they will cover orthodontics. I came with facts in hand that he

would need jaw surgery in the future if they didn't pay for orthodontics

now...........that convinced them. Now we are with Aetna and it is a whole

different company............you just have to learn how to deal with each

company and find one person to deal with if possible. I am currently fighting

for more speech therapy for Brett because we have exhausted our speech

benefits..............but I will keep trying.

Yours in Him,

Mickey

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In a message dated 11/6/01 10:14:04 AM US Mountain Standard Time,

sbyrne@... writes:

<< They are also atrocious at covering physical therapy >>

Blue Cross Blue Shield also paid for 80 plus sessions of speech therapy for 2

years in a row when all the therapists were telling me that insurance

companies cap at 35-40 visits per year no matter what. The only reason I

share this info is because we hear so many horror stories about insurance

companies and I want to encourage some people on this list that haven't gone

through this yet..........that there are some good stories too! I have also

appealed for orthodontic work for Brett with Intergroup after they said there

is NO way they will cover orthodontics. I came with facts in hand that he

would need jaw surgery in the future if they didn't pay for orthodontics

now...........that convinced them. Now we are with Aetna and it is a whole

different company............you just have to learn how to deal with each

company and find one person to deal with if possible. I am currently fighting

for more speech therapy for Brett because we have exhausted our speech

benefits..............but I will keep trying.

Yours in Him,

Mickey

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In a message dated 11/6/01 10:14:04 AM US Mountain Standard Time,

sbyrne@... writes:

<< They are also atrocious at covering physical therapy >>

Blue Cross Blue Shield also paid for 80 plus sessions of speech therapy for 2

years in a row when all the therapists were telling me that insurance

companies cap at 35-40 visits per year no matter what. The only reason I

share this info is because we hear so many horror stories about insurance

companies and I want to encourage some people on this list that haven't gone

through this yet..........that there are some good stories too! I have also

appealed for orthodontic work for Brett with Intergroup after they said there

is NO way they will cover orthodontics. I came with facts in hand that he

would need jaw surgery in the future if they didn't pay for orthodontics

now...........that convinced them. Now we are with Aetna and it is a whole

different company............you just have to learn how to deal with each

company and find one person to deal with if possible. I am currently fighting

for more speech therapy for Brett because we have exhausted our speech

benefits..............but I will keep trying.

Yours in Him,

Mickey

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