The Money Tree Part II

Hello Friends....

I don't have much time to post (I'm at work and really should be working--Leslie this will only take 5 minutes-I PROMISE!!  =) )  BUT, we just got the BEST news and I really need to share it!!

So, Spectrum of Hope (the ABA school) costs about $1,150 a week.  (In the past this has NOT been covered by insurance.)  See the email string below....insurance has decided to pay this year!  BOY DOES GOD ANSWER PRAYERS!!!!  Thank you EVERYONE who have been faithfully praying for us!!

As a side note, I am cautiously optimistic about this, insurance has a way of finding loop holes and all of a sudden stop paying and in some cases we have even been asked to pay them back!!!  But, this really does look hopeful!!

From: Kimberly Wallace
Sent: Thursday, July 30, 2009 1:28 PM
To: Tami Eichenberger
Subject: Insurance Benefits for Spencer for Spectrum of Hope

Tami,
Below are the benefits quoted by BCBS for our services at SoH.  You will be receiving an invoice (if you haven't alread) indicating $0 is due. It appears after the first two weeks of service with us, you will have met your deductible.  If you have any amounts not covered by insurance, we will invoice you for those, but it looks you will not pay anything more! Yea!

$150.00 deductible payable at 80% up to 1500 OOP, then 100% (max OOP per cal year for in network provider is $1,650.00)

This is not a guarantee of payment, this is an explanation of benefits, quoted by the insurance company.  Deductible has been met and the OOP should be met shortly.  (Do not know for sure, how much has been applied to OOP).

Thanks,
Kay
Kimberly Wallace-Nenson
Founder of Spectrum of Hope

From:  Tami Eichenberger
To: Kimberly Wallace
Sent: Thursday, July 30, 2009 1:35 PM
Subject:  RE: Insurance Benefits for Spencer for Spectrum of Hope

Kay,

SERIOUSLY???  HOLY COW!!!  When will we know FOR SURE that they are paying?  I have had the experience in the past where they quoted coverage, but then it came back that they didn't pay for one reason or another!

Also, what about what we have already paid ($3,450)?  It what is being quoted is correct, they we possibly overpaid for the session we are just finishing up?

Thank you so much for helping us with this!!  I am very excited and hopeful, but also cautiously optimistic.  We have been burned in the past to the tune of $15,000 that we had to pay (scratch that, we are still paying :))

Tami E.

From: Kimberly Wallace
Sent:  Thursday, July 30, 2009 1:39 PM
To: Tami Eichenberger
Subject: RE: Insurance Benefits for Spencer for Spectrum of Hope

They have already issued a check for the week of July 7 for $729.60...which is 80% of the weekly charges...see...below

Eichenberger--07/07/09 to 07/10/09 Paid $729.60

As soon as we receive the EOB's from BCBS, I will be able to tell you for sure what monies should be returned or God forbid, charged...Are you available to come in next MONDAY and sign some paperwork for me? and we can go over this together?

Kimberly Wallace-Henson
Founder Spectrum of Hope

Keep those prayers coming, if this really does become reality, the Eichenberger's have a BIG decision to make in the next month!!!

Until next time....peace, love, hope and prayers!!

T