PTSD is damn expensive

I’ve gained my bearings back, for which I m very grateful. It’s a good thing because I’ve received some news that needs my attention. Doc told me that the insurance company will not pay for my neurofeedback sessions. So, if I want to continue them I will have to pay for them out of pocket. FYI everyone, neurofeedback is seen as experimental for PTSD by insurance companies in the United States.

I am not sure that I can afford the extra charge for the neurofeedback sessions, but they have been tremendously helpful to me. I’m considering taking a loan out on my pension to do this. It’s a very reasonable interest rate, but in the back of my mind I was going to take out such a loan as a down payment on a house.

I know I’ve talked about the travails of considering purchasing a home. I’ve done the math, and if I can come up with a down payment it would be cheaper for me to pay a mortgage. But all my medical expenses have precluded me from saving for such a thing. That is why my fallback was a loan against my pension.

Things could be a lot worse for me. I know this. At least I have a pension fund from which I can take a loan. Still though, all of these medical expenses put me further behind where I want to be in my life.

I’m pondering what to do. I’m even considering a second job. The things we do for mental health …

13 thoughts on “PTSD is damn expensive

  1. concur with stuff…feels like two steps forward and three steps back sometimes but we gotta keep moving, B. Gotta…hope you manage to work something out on both fronts. Hope the bean counters can get that ‘experimental’ tag off of the neurofeedbacks so the insurance folks can cover it. Fingers crossed.

  2. I’m so sorry. It sucks when insurance is being a pain. I’ve been dealing with my insurance, which is in my dad’s name, and they were sending my checks to HIM (my therapist is out of network, and the insurance isn’t paying her directly… ugh). I still haven’t gotten a check yet, they’re taking their sweet time dealing with things… ugh.

  3. It really brings up something I think about all the time. How our abusers actions impact us even in the present day! I actually went through a similar thing, where my husband had to elect to take out a loan against his 401k to pay for my treatment, when we were trying to save it for a down payment on a house! It’s really a difficult decision. We are still renting today, and it is massively expensive, and we really want to be homeowners. But alas, trying to stay in the present and be thankful for the things I do have, are sometimes so hard, when I know this all goes back to someone else’s selfish actions.

    • You are so right on point. It sounds like you and I are in similar places. I bet there are more just like us out there who are behind in doing what we want with our lives because we are paying for treatment that’s a direct result of someone else’s mistreatment of us.

  4. If it helps at all, when you go to fill out the mortgage paperwork, they will count it against you if you try to take out downpayment against your retirement fund, since they count the retirement fund in your assets they consider when looking at how much to give you (and if you try to take it out before so they don’t; you have to account for any large withdrawals to the bank anyway, even though you have the option of not paying it back so to speak)….. They are getting fussy about such things.

    I hope you find something that works out well for you.

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