In the next few months, I'm planning on moving from Indiana to NYC. Currently, I am on my mother's private insurance plan as a dependent (I'm 24). I was diagnosed with N last March and since then, I've had so much trouble getting insurance to cover my medicine. I posted about my specific problem in another post, but to make a long story short, my policy is with Anthem Blue Cross Blue Shield and they are denying coverage based on a benefit exclusion in my contract that states that they won't cover any treatment for mental health. Apparently, every stimulant is categorized as a mental health medicine (sort of off topic, but does anyone know if this is what the drug manufacturers categorize it as, or is that something the individual insurance companies get to decide?).
Not surprisingly, I'm looking to find some new insurance. It's terribly difficult figuring out what medicine will work for me if I have to pay up to $800 a month just to try something. At the moment, I'm on 25mg Adderall XR and it's the first medicine I've tried that actually works. But it wasn't covered and I spent $163 for it. I'm just out of school and have a very limited monthly budget. Once I move to NYC it will be even more limited.
Does anyone have advice on finding a good insurance plan that will help cover my prescriptions and allow me to see a neurologist? I don't have any other health issues other than asthma, but I just need to be able to get an inhaler prescription, so I don't need to see a special doctor for that. If anyone has advice about policies in NYC specifically, or recommendations on sleep doctors or neurologists in the city, that would be extremely helpful, too. Thanks!