- 7 years ago
- Wedding: October 2011
This isn’t even about pregnancy really, but I’m 9 weeks pregnant, so I’m putting it here.
Bees, I am so frustrated with health insurance I am in tears.
So my husband just got health insurance with Blue Cross/Blue Shield through his employer in July. He and I can both stay on our parents’ family plans until we’re 26 even though we’re married and moved out but our parents’ plans wouldn’t cover a child of ours. We wanted our own plan so we could start TTC this fall.
So now we pay about $500/mo just for our portion (that’s not counting what his employer pays toward it) And that will go up to about $850/mo after the baby gets here. Bottom line is, we’re paying a pretty good amount of money to have insurance.
Well I got pregnant in August and since I’m diabetic this has meant weekly visits to an endocrinologist and two appointments already with the OBGYN along with some visits to my regular doctor. I’ve had a LOT of doctor appts. We were told by all of the doctors to file BOTH insurances (my husband’s and my mom’s) and it would be great and cover everything and I wouldn’t have co-pays blah blah blah. Which is awesome. Except somewhere along the way someone told us I was supposed to file my husband’s as primary and my mom’s as secondary. Which is apparently wrong. My mom’s (Coventry) was supposed to be my primary and my husband’s (BCBS) was supposed to be secondary. So BCBS has denied ALL of the claims.
This shouldn’t be a big deal. The doctor’s offices should be able to just refile them the correct way and that’s that. Except that my mom’s plan is an HMO which requires a referral for every appointment I’ve had with the endocrinologist. Since we thought the Blue Cross plan was primary and they don’t need referrals…my doctor never did them.
Now I’m being told by insurance that they’re going to deny the claims unless I get retroactive referrals. While my doctor says the insurance company doesn’t allow her to do retroactive referrals. The insurance rep then told me that my doctor can request an exception because of the circumstances but there are no guarantees that it will work. I’m also told that I can make an appeal if my claims still get denied, but again no guarantees.
So even though we’re paying monthly for insurance, I could end up with the bill for all of these appointments. And everyone I talk to acts like I’m inconveniencing them and they don’t want to deal with it, but wtf? I have insurance! I pay for it!
I can’t pay for all of those appointments out of my pocket. I shouldn’t have to just for making a mistake on who to file first.
I’m frustrated with my husband because he has this attitude of “well, sometimes you just have to argue with people. I do it all the time for work stuff.”
I’ve already inhaled all the Halloween candy at my desk. All that’s left is frickin “Dots” Ugh!
Sorry, I just need to vent so I don’t end up yelling at my clients.