I swear, Nate must be a walking billboard for Impetigo. He has an Impetigo infection in his nose not even a month and a half after his knee Impetigo issue. Normally, this would be a non-issue really because I would take him to his pediatrician and then she would order an prescription and then I would pick it up and that would be it.
But I am currently in Orlando. Ok, so not really that big of a deal. I find a walk in clinic and go there. The insurance company says they take his insurance. They say they don't. I call the insurance company back and they say they do, but maybe some locations might not. So I go to the other location and they take his insurance. Great. A few minutes later, the guy tells me that Nate's insurance says he is no longer covered. Sigh. We just had to fill out the annual paperwork for the kids, which I am always on top of. However, the insurance people said I "didn't" sign the application (which I did). When I called them about something else a couple of weeks ago, the girl I was speaking to mentioned this but then said she didn't understand why because I had signed the application electronically since I did an electronic renewal. Ok. wonderful.
Not so much.
The guy I'm on the phone with today proceeds to tell me that I didn't sign my application until November 30th and that's why my children have to go without insurance until January 1st. So I quickly explain how one of the women I spoke to there at the insurance company said she didn't know why I had to sign anything when it was already done electronically . The man then asks me if I did it online and then I say yes and he puts me on hold. He then comes back and confirms that I did in fact sign it electronically.
Well great.
So then he asks which kid is sick today. After I tell him, he tells me that he has to submit this immediately to his supervisor and then once they approve it, it needs to go to the corporate office, then they have to approve it for the insurance be reinstated and to be "backdated" for the month of December. This could take "up to 72 hrs."
Great. Nate is sick TODAY with an infection that could spread and lead to other things. And I am supposed to wait 3 days.
Wonderful.
Needless to say, I am not waiting 3 days. I proceeded to find another walk in clinic since the one I was at when all the insurance issues arose wanted to charge $90 for the visit. I knew from experience of going to several of these clinics myself over the past few years that there would be some place somewhere that was a little cheaper.
And so my drama continues.
I go to one clinic, and the nurse practitioner takes a look at Nate's nose and agrees with me that its Impetigo. She then asks me a question about insurance and I explain to her the situation and that I would be paying today but I wanted to submit a claim later once the insurance issue was straightened out and she asks me which insurance. So once I tell her, she knows right away it is a plan that is offered through Florida Medicaid. She tells me that there is a federal law stating they cannot take medicaid patients for whatever reason. Apparently it has something to do with the fact that its because medicaid is under certain income guidelines and if you can afford to be seen there, you shouldn't be on medicaid, or something like this.
I mean, I get it, a little bit, but its pretty ridiculous.
Especially if the stupid Medicaid system didn't screw up my paperwork in the first place I would have had insurance to be seen with at the other clinic, which by the way, I don't know why the other clinic was allowed to see Nate for $20 more than this clinic was.
Whatever.
So, Nate and I left empty handed. I decided I would take him to another clinic and NOT mention the Medicaid thing at all. And he was once again confirmed to have Impetigo and we were given a prescription for it. The most unfortunate thing about that is I don't have insurance coverage on Nate right now which means he doesn't not have prescription coverage either. The med is $36 for a small tube of medicine that I have AT HOME because Nate just had Impetigo a month ago, but I am not home and will not be home for another 4 days, and Nate cannot wait 4 days. So thanks to the government screwing up my paperwork, I had to pay $100 today for services/products that should have been free and it stings even more that I have this medicine at home.
Sigh.
But poor Nate, my little Impetigo-prone child.