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Insurance sucks!!!!!!
I am so upset right now. My maternity benefits were used up early in my pregnancy (stupid individual insurance and sucky benefits) so I would have to pay out of pocket unless there was a complication. Well I had preeclampsia and the lady I talked to said that everything including delivery would be covered if I was induced because of it. Here I am, 7 weeks later with a little boy that was early because I was induced because of preeclampsia talking to the insurance company that is now telling me that preeclampsia is not a complication of pregnancy. So far I've gotten explanation of benefits from them with at least $20,000 that is now considered my responcibily....I am litterly sobbing at my desk, I hope no one comes in here. At least the billing lady at my doctors office is going to see if my doctor will change the records to say sever preeclampsia (which is covered) so I can get some benefits.
I am at a loss for my feelings right now, life is just not that fair...
I'm sorry I just had to tell someone. I don't want to talk to my co-workers and if I call DH he will probably be really upset that it's not covered...It just feels better to write it down.
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Re: Insurance sucks!!!!!!
WTH????? I will keep my fingers crossed that the billing dept will recode it to severe. Goodness, you had MILES EARLY - isn't that severe enough for your insurance company????
So sorry Lemon, you do not need this.
oh no Lemon!!! I hope you can get this resolved. That's awful.
you don't by chance have record of the person you talked to before being induced?
thinking happy thoughts for you!!!
I def agree w/Lina about appealing. Do as much as you have to if the dr can't help w/resubmitting. I'm hoping it works out!!!
I know I wrote her name down, I just can't remember where that piece of paper is. I'll have to look for it when I get home.
Oh Lemon, I'm so sorry. I hope you get it all worked out soon!
What's the point of having insurance if they're going to pull shlt like this??
that's good!!! I'm sure you'll find it and then you can use that as when you spoke to whom about the coverage. DEF get your dr to help, I'm sure they've seen this before.
Oh I'm crossing my fingers!!!!
whomever you spoke with recently if you have their info, keep that. Make a record (documenting) of everything - whom you spoke to, when, etc. and then keep going up the ladder until you get it resolved.
Stupid insurance (my dad was an ins agent for YEARS but it was life and financial planning and such). My mom HATES working w/ins b/c they are SO freaking nitpicky - she is a marriage/family therapist.
GL!!!!
I am so sorry Lemon. This is crazy!!! Insurance suck! I'm so scared because we are a very small buisness and my boss looks at the cheapest rates rather than the coverage because "they" hardly ever go to the Dr.'s so our deductuble (Sp?) is horrible and are coverage is so so.
It's just crazy!
That sucks! I'm sorry you're dealing with this. I hope your doctor's office works it out for you somehow. My OB Nurse told me that they do this all time for various reasons...to make sure they get PAID...sometimes if insurance screws someone over somehow because of coding or wording the office never sees the money, so usually they try to get it through so they can get paid.
I hope it all works out for you!
I'm so sorry. I have been there. I had skin cancer (melanoma) two years ago and had surgery to remove it that my insurance (which was a joke) didn't cover. We ended up with $20,000 in medical bills, too. I had a really hard time with that for a while...I was really bitter about my "luck" of having cancer AND getting stuck with $20,000 in bills because of it. Like you said...just so unfair.
The "good news" is that medical bills don't incur interest, and most hospitals are more than willing to set up payment plans. Some of them (the smaller ones) we paid on $50/month until they were gone. We are now paying $500/month on the bigger one and will until it goes away. There are also some things you can do tax wise that work out to your benefit--feel free to PM me if you have any questions about that.
Two years later I'm finally to the point where I can not get angry when I think about it...all of the things we could have done with that money, how different our financial situation would be now if not for that. But then I remember there's nothing I can do to control it. It happened. C'est la vie. Life goes on. But remember, it took me a while to get here.
(((hugs)))