Post # 1
I am currently 5 months pregnant with our suprise bundle of joy! Which we are incredibly happy about, what a great gift from God, but I’m having insurance problems. I am currently on my parents insurance because I got pregnant before my husband and I got married. Our insurance was bought out by blue cross blue shield and when we did all of the paper work they put in the wrong address. It took them forever to figure out (3 months)… my drs. office probably thinks I am full of it because everytime I go in for my checkups I have to tell them the story. and my next appt is Thursday and am just starting to get really fustrated and so are they. I have the id number for our insurance but my office will only take the card. I’m tired of messing with it, especially because my parents deductible is so high it won’t help anyway and we’ll have to pay the full amount… should I just drop the insurance?
Post # 3
Try seeing if you can get online and download a “temp” card.
I work in HR/Benefits and I know when someone loses a card or something I always can log into the Anthem BCBS website and it allows for me to make them a copy of their temporary card to take to the doctor.
I don’t why the doctor’s office has to have your card – as long as you have your group number and ID – they should be able to verify in the system you have coverage without a problem.
Post # 4
Im with pp – you should be able to log on and print a temporary card. And it doesnt matter if you dont have the card-the policy # and group number should be all they need. And the address also isnt a huge issue. Our address is incorrect on our policy as well, but they told us its a non-issue
Post # 5
Sounds like they’re being difficult – if you have the number that SHOULD be sufficient. Meh. I used to work at a Dr’s office and my dad sells insurance and that’s never been an issue. :/ Sorry.
I agree w PPs about the temp card – or at least SOMETHING, if your company doesn’t do that. And the address shouldn’t really matter that much either. I have like 2 different addresses on a lot of things (my parents and then mine and FI’s).
Sorry they’re being difficult! And what do you mean it won’t pay for anything? Will it at least cover some of the costs at the actual birth? Like hospital, anesthesia, etc etc?
Post # 6
This is a tricky one, i too have blue cross blue shield, i am self employeed so maybe a litle diff than your insurance, i kept my BCBS, becuase they do cover complications with the pregnancy, becuase i am not on a group plan they do not cover routine maternity. You may be able to pay out of pocket for cheaper than your parents deductible, but maybe not. Call the hospital and ask their cash pay price for a normal vaginal delivery, C section, and epidural (anesthesiologist fee is usually additional). You would also have your OB fees, Bloodwork, and any testing you plan to do during the pregnancy as well, you may or may not have ultrasound fees, (my OB does her own without a separate fee).
What i found was in my area was: OB: $3900, ($2000 upfront, $200 per visit must be paid in full by week 33). Hosptial vaginal delivery: $2750 paid in full before the delivery of the child, may be paid in installments during the pregnancy. Epidural: $500 not including Dr fees.Blood work : $800, Cystic Fibrosis carrier screen $800. C-section: $3000, (plus additional fees for OB around $700 additional) Hope this gives you some cost perspective.
But in all honesty it sounds like the doctors office may need to just call the insurance company, can they not get all the info and call them and have proof of insurance faxed? I havent worked for an OB but maybe they are required to see the card at each visit? I know there is a sign up at my OB for all patients that have medicaid they must see their card at each visit.
Post # 7
Thanks! I’m looking into it now! I have our I.D. number. The address wasn’t a big deal if we had the cards, but they were suppose to send our cards to the town my parents live in, but they sent them to a town that has a one letter difference in the name (a town 6 hours away!) and thats where they sent the bills for insurance (instead of taking it out of the account.) so to make a long story short, we never got the bill, so we didn’t pay it and therefore they canceled our insurance. They were being difficult to work with and we have been talking to them weekly and can’t get anything accomplished. they’ve said our cards are on the way several times. We called today and they said as of may 13 we are insured again and they have sent out our insurance cards in the mail.
@Ameliabedelia – my parents insurance deductible is 10,000 dollars. so basically the only way insurance is helping us is if we were to have complications.
Post # 8
@dj: Hm. In that case, why not just pay out of pocket for everything and just KEEP the insurance in case of complications until after? That’s possible right? (I should really know this, my dad would be like wtf). Hope you can get some better service soon for the little baby and yourselves though!
Post # 9
Sorry about all of that. I hope y’all can ay out of pocket. Most doctors will have it cheaper because they are getting actual cash. I saw it in my dr’s office and it was like a total of only $3500, but that was JUST the dr. The hospital will be the clincher.
Post # 10
I called to see if I could get a copy of my insurance card and the lady told me her computer system said that we still don’t have insurance, and so I called my parents to see what they had to say and my step mom said we do. I’m to the point of tears, I hate being the middle person, it would be so much easier to figure this stuff out if I wasn’t under my parents insurance. I just want to say screw insurance, I’ll pay straight out of pocket.
so for anyone who has paid out of pocket…. any advice?
Did you make payments to the hospital before you went in? or did you wait for billing afterwards? I really have no idea where to begin! We’ve already started making payments to my dr. so atleast thats a dent somewhere!
Post # 11
@Dj, I called the hospital and they gave me a cash pay price that had to be paid upfront, $2750 for a vaginal delivery as well as baby’s nursery stay. ( all the charges are in my above post). If you wait for billing it could be more than negotiating upfront.