Now this I think we can all relate to. I just saw a meme (I won't post it here) that went something like this.
Doctor to you: "You need this medication."
Doctor to Pharmacy: "She needs this medication."
Pharmacy to Insurance: "She needs this medication."
Insurance Company: "Does she though? Let's ask her doctor."
I've been going through this (as you know) concerning electrolysis. My Psychologist submitted a consult to Minneapolis VA who have a non-VA electrolysis provider where they send their veteran patients. My Psychologist asked if it is possible to send me to that provider, or possibly to send me to Minneapolis VA so they can send me to their provider. Simple, right?
Without even looking at my records, Minneapolis had a team of not less than three people respond. They all stated that my records need to have documented that this is not cosmetic, but "medically necessary". The provider in Minneapolis does laser only, not electrolysis. The VA (the largest healthcare provider in the United States) has no one that does electrolysis in-house. And since the VA will cover electrolysis for pre-op genital surgery, it is automatically considered "medically necessary".
So my Psychologist (God bless her) did a deep dive, combing through my medical records. She quoted various provider notes going back to 2019 that show a determination of "medically necessary" no less than three times each year. The providers making that determination include my Primary Care Physician, three Psychologists, two Endocrinologists, a Gynecologist, and the Medical Chief of Staff for the Black Hills Healthcare System.
So now, we have firmly established the need (mental health), and the medical necessity. The next obstacle is a provider. Every provider that I have contacted (over 20 in all) demands payment at the time of service, cash or credit. The VA pays their bills like an insurance company. And there are none in the immediate area.
I found a provider that I am interested in. I won't post a link, but Clear4Life in Williams Bay, WI does electrolysis on any body part, including for gender-affirming surgery. I am trying to get the VA to cover the costs of travel, service, food, and lodging for an overnight stay if needed, or give me written approval guaranteeing reimbursement if I pay for it all myself on a credit card. I could just get it done, but the VA likes to take months to reimburse expenses. That won't work for me. Electrolysis requires multiple sessions and I will be paying credit card interest rates. I need to be reimbursed within 60 days or else I will quickly max out my credit limit.
I am continuing to standby to standby in case I need to standby to hurry up and wait.