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Induction and Insurance..did you know about this?

Kate080Kate080 member
in 3rd Trimester
So I was talking to my OB last night about when she would induce if I went past 40 weeks.  She said that insurance companies are getting really strict in the last year and that she will induce one week past your due date, but no sooner.  She said that most insurance companies won't cover the cost if you go any earlier unless of course there is a medical need for it.  I guess I didn't realize this....did any of you know this?  Maybe I'm just in the dark thinking it woudn't be a big deal if she induced me a couple days after my due date. 
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Re: Induction and Insurance..did you know about this?

  • IrishBrideNDIrishBrideND member
    Makes sense. Why would they pay for an elective procedure? It makes sense that they would pay for it if there was a medical reason (which would include being too far overdue) but not for other reasons.
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  • Kiki-licioius Kiki-licioius member

    I knew about this.  I was told when I asked the policy for inductions. 

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  • WorcbrideWorcbride member

    imageIrishBrideND:
    Makes sense. Why would they pay for an elective procedure? It makes sense that they would pay for it if there was a medical reason (which would include being too far overdue) but not for other reasons.

    ditto;  at a wk overdue the concern is losing amniotic fluid

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  • Ellasmommy07Ellasmommy07 member
    I think that is a good thing. Too many people use inductions to convenience themselves instead of how it should be used.
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  • Flowr4246Flowr4246 member
    I actually think this is a good thing.  My feeling is that insurance companies will often lean towards whatever's quicker (read: cheaper) for them, which is usually enhanced by medicine as opposed to letting nature take its course (which I'm a big fan of doing).  The fact that they won't pay for early inductions without cause makes them a little more "human" in my eyes.
     
    Piper, 4/10/10
    Connor, 3/16/15
    Morgan, EDD 9/22/16



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  • aocain02@yahoo.comaocain02@yahoo.com member
    I really really REALLY don't want to be induced as much as I'm wanting to have my baby now so I'm perfectly fine waiting to see what happens until 41 weeks.  Even then I know I won't be induced at 41 weeks exactly, it all will depend on what the hospital has available. 
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  • carney09carney09 member

    imageIrishBrideND:
    Makes sense. Why would they pay for an elective procedure? It makes sense that they would pay for it if there was a medical reason (which would include being too far overdue) but not for other reasons.

     

    This exactly

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  • erinkate23erinkate23

    imageEllasmommy07:
    I think that is a good thing. Too many people use inductions to convenience themselves instead of how it should be used.

    Agreed.  I'd also like to see similar policies for elective c-sections and non-medical circumcision, but I'm a wacko.  I'll admit it.

    image
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  • IrishBrideNDIrishBrideND member
    imageerinkate23:

    imageEllasmommy07:
    I think that is a good thing. Too many people use inductions to convenience themselves instead of how it should be used.

    Agreed.  I'd also like to see similar policies for elective c-sections and non-medical circumcision, but I'm a wacko.  I'll admit it.

     

    Many, if not most, insurance companies no longer cover it.

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  • gigi_rafaelgigi_rafael member

    In some cases I can see where this is not necessary but in cases like my own, I am most likely going through an induction. I'm totally all about doing what is natural but my dr. doesn't want to take the chance of me going to full term after we lost our daughter at 39.5 wks last time. The dr;s can't figure out what happened, but we know she lost blood and it's possible I had an infection. I knew something was wrong but my jackass dr would not do an induction last time (most likely thanks to the insurance co.) Also, my lovely insurance company who was getting 300$ a month out of my pocket would not cover any expense do determine why this happened to me. - something that has racked my brain for the last 2 yrs. My loss was considered a complication and no I do not think they are "human" at all for this reason.

    Also, they would not cover this pregnancy- even though it was never actually determined what happened. So instead I had to go on medicaid. which thankfully is covering everything....a miracle. 

    If you ask me, insurance companies in this country SUCK.

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  • Lola'sDogMomLola'sDogMom
    My OB says she finds a way to make the induction look "medically necessary" so insurance will cover it. She doesn't induce early though, just starts offering it at 40 weeks.
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  • IrishBrideNDIrishBrideND member

    imageLola'sDogMom:
    My OB says she finds a way to make the induction look "medically necessary" so insurance will cover it. She doesn't induce early though, just starts offering it at 40 weeks.

    ugh. I hate that some OBs do that. Many do it with c/s, too. If its not medical, don't lie about it. JMO.

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  • mrs.ozmrs.oz member
    I can see not paying for an induction when it's not really medically necessary but when it is medically necessary and not paying for it...that's not a cost saving move.  I'll bet that when there IS something wrong and both the doctor and mother are trying to avoid a more costly and dangerous procedure like c-section, c-section is going to be the first option if induction is not covered.  It's like insurance companies that won't cover GD supplies but will cover them if you have full blown diabetes.  Insurance ompanies would rather pay for aftermath than the prevention and those are not cost saving decisions.
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  • jmrussell03jmrussell03
    imagegigi_rafael:

    In some cases I can see where this is not necessary but in cases like my own, I am most likely going through an induction. I'm totally all about doing what is natural but my dr. doesn't want to take the chance of me going to full term after we lost our daughter at 39.5 wks last time. The dr;s can't figure out what happened, but we know she lost blood and it's possible I had an infection. I knew something was wrong but my jackass dr would not do an induction last time (most likely thanks to the insurance co.) Also, my lovely insurance company who was getting 300$ a month out of my pocket would not cover any expense do determine why this happened to me. - something that has racked my brain for the last 2 yrs. My loss was considered a complication and no I do not think they are "human" at all for this reason.

    Also, they would not cover this pregnancy- even though it was never actually determined what happened. So instead I had to go on medicaid. which thankfully is covering everything....a miracle. 

    If you ask me, insurance companies in this country SUCK.

    I am so sorry you had to go through that. How terrible! And, then to have issues with insurance for this pregnancy... T&P for you and your LO.

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  • MrsRebeccaMrsRebecca member
    It's because a lot of times insurance companies won't pay for elective procedures.
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