u/FairlyGhostly

i am in php in a center that specializes in c-ptsd and dissociative disorders.

i dont have a diagnosis yet, as we’re still working together, but we think we can rule out DID and that i lean more OSDD

that said, i’ve been having a lot more lost time in the last few weeks. at first i didn’t notice, but there’s been a few things that have made it obvious im not remembering everything/going about things in a disassociated state.

my therapists have been asking me what i notice /before/ losing time, but all week i just haven’t been able to connect to any feelings/thoughts/behaviors before the time gap?

im trying journaling but so far the notes are p chaotic, which might just need more time practicing. any advice is welcome!

state: arizona
edit to add: i checked the pre-written post about choosing a plan and this question is not answered there

TL;DR - picking a market place plan that might be most inclined to accept a single case agreement? (i know there are no garauntees, but generally speaking?) or any other kind of advice is welcome!

rambly context: i’m mainly needing insurance for intense and chronic mental illness. i’ve been in several PHP/IOP centers since 2023. all of them have been trauma informed, but focus on substance abuse or things like depression and anxiety.

however, nothing has been helping. in february of this year, i found a healing center that specializes in C-PTSD and Dissosiative Disorders and oh my god for the first time in my life i’ve actually found a program that’s actually effective for me!

but of course, BCBS denied the single case agreement because there were “several IOP/PHP centers in network” but NONE of these places specialize in C-PTSD or things like DID. even after appeals and peer to peer reviews.

this center isn’t in network with any insurance though, so they recommend having a plan with OON benefits as well as behavioral health benefits.

i’m limited to marketplace so i only have HMO’s as an option. i talked to an insurance broker and he said it wouldn’t be worth it to get a private PPO plan because they don’t have good mental health benefits? which is honestly confusing as hell to me - i thought by law insurances had to treat behavioral health the same as physical health?? idk that’s a whole other thing BUT —

i qualify for a special enrollment period so i can switch my plans, and this center is being so supportive and willing to try a SCA again for me.

which has left me with decision paralysis. they said they had luck with someone getting a SCA approved through Antitode, but any kind of reviews i see of this company are shady as hellll

i’m willing to have terrible insurance for a while if it means i get the mental health treatment i need but…do y’all have any recommendations for how to go about picking this new plan? any luck with getting SCA’s approved with market place plans?

any insight or advice is welcome. i’m so heartbroken that i finally found the treatment i need, but might not be able to get it bc of insurance. (which i know this is not a unique situation unfortunately) and i feel like they’re giving me a second shot so i wanna do everything i can to get it approved! 🤞🏻