I guess it's true. God gives you what you can handle.
I'm an older American. But I also have an adult child with a disability. I fought like hell when he was younger. I flooded him with as much therapy as we could afford. I fought health care policy by testifying before the NJ Banking and Insurance Committee for Mental Health Parity. It passed out of committee and became law but never helped our family because my husband’s employer, like many, was self-insured. State level laws didn’t apply to them. We had to wait for Federal legislation.
I bitched a woman from our health insurance company out on the phone when she told me that they had already paid their $2,000. that year and they wouldn't be paying any more. Our health insurance paid 50% of Reasonable and Customary charges up to a maximum of $2000.00 per calendar year, which meant we could be charged $100.00 for a visit and they would approve $65.00 and pay 50% of that. They’d pay $32.50 and we had to pay $67.50. I asked her if that meant he was cured? She didn't have an answer.
After federal Mental Health Parity passed and health insurance companies devised a new way of limiting coverage by only paying for a limited number of visits per year, I negotiated "creative" arrangements when my son needed more than 26 speech therapy and social skills therapy appointments per year.
I remember what pre-ACA was like because I knew what every limitation in my husband's health insurance meant. Whenever his company switched benefit plans, I was the first one to call the HR Dept with questions they didn't have the answers for. "I'll have to get back to you with that answer." I've heard that more times than I can count. And I never want another parent to have to hear that again.