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TTC After a Loss
Did your health insurance cover your D&C?
I just got an EOB email from my health insurance and they are not covering my procedure (over 2k that I do not have)...I was sure they would since I heard NOTHING since my procedure in early July!!!! UGHHHHH FFS! Kick me while I'm down why don't ya?
They say I can appeal it - Which I WILL! Anyone else appeal and win?
Thanks everyone. this sucks.
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Re: Did your health insurance cover your D&C?
That totally sucks.
Does the EOB give a reason for not covering the procedure? Is what was rejected the "main" bill from the hospital or surgicenter for the procedure? Perhaps the facility was not "in network" (depending on your plan type)? Or do you have a wicked high deductible that was not otherwise met this year, so you bear the cost?
Were the ancillaries covered (like anesthesia, lab, pathology, the professional medical fees)? It would seem unusual for those to be covered and not the procedure that necessitated them (unless the facility was not in network or something like that).
I posted a week or so ago about how exhausted I was after the weeks of going through and cross-checking the bills, My out of pocket, including the deductible, was still well over $1k.
BFP #1 5/2010 - Missed m/c at 8 weeks
BFP #2 2/2011
Baby G welcomed with love and relief 10/2011
Surprise BFP 1/8/2013...say what? Baby A arrived 9/2013
Motherhood is not for wimps
What portion did the ins. say you were responsible for? I've gotten a few of my EOB's back and my hospital stay totaled a little over $9,000. My ins. initially denied it because it required a pre approval, but I'm assuming that the billing office did not send in the pre approval info and it will be approved when they re submit (most billing offices will re submit a denied claim if it's denied for a small reason). but on all of them I am not responsible for it at all according to the EOB. Once it gets approved I'll owe my share of the cost. I got my anesthesia bill a week ago and it was also denied and then re submitted and then approved after that. I was sort of freaking out about that too.
Anyway, hopefully it was just an issue with the way it was billed or a wrong DX code or something and they re submit and you don't have to pay the whole bill.
Yes but not much. My insurance sucks and only covers 60% of most procedures (after we pay over $600/month to have such awesome coverage
).
We have paid around $3,000 (I stopped keeping track as it was getting depressing) out of pocket for the whole mess-ultrasounds, D&C, etc. The majority was the D&C.
I hate paying for stuff like this, I mean I know most medical procedures other than delivering a take-home baby are not fun and not what anyone wants to pay for, but still, it sucks.
I think when women give birth to healthy babies they should donate a few dollars to a fund that can be used to cover out of pocket expenses for those of us who lose our babies.
Hope your appeal works!
Sorry you have to deal with that. Thankfully my insurance covered everything! The amount was crazy! Like about $10,000.....no joke! I actually got a bill fo rover $200 but I called right away stating that is was covered...I faxed them a copy of what they needed to see.
Definitely appeal it! Good luck!
BFP#1: 7/14/10. EDD: 3/19/11--MMC-- D&C 9/2/10.
BFP#2: 12:22/10.EDD: 8/30/11 C/P 12/25/10
BFP#3: 10/26/11 EDD: 7/2/12-- Daniel born 7/14/12. My rainbow baby! BFP #4: 2.22/15 EDD: 11/4/15 C/P 2/28/15 BFP #5: 4/5/15 EDD 12/11/15 (Ectopic Pregnancy)
BFP #6: 3/2/16 EDD 11/5/16
<a href="http://www.thebump.com/?utm_source=ticker&utm_medium=HTML&utm_campaign=tickers" title="Baby Names"><img src="http://global.thebump.com/tickers/tt1cfe4e" alt=" BabyFetus Ticker" border="0" /></a>I didn't have a D&C, but my insurance denied all my claims at first because some bonehead coded it wrong and they viewed it as charges related to "an elective abortion necessary bc of risky sexual behavior."
I called and pitched a royal fit and once they realized that it was all a natural m/c and it was coded wrong they covered it. I would totally appeal.
Yes, mine covered over 80% I think. I think we paid less than $100.
I'm sorry, that really stinks!
My insurance covered it, but I have a high deductible health plan, so I paid a HUGE deductible in the beginning of the year, and once that was paid, I am 100% covered (in network). I don't remember the cost for the actual procedure as they sent the bill awhile ago, but it was high. Then, just the other day, I got ANOTHER bill - this time from the OB-GYN. Besides his fees for surgery, ultrasound and the 2 in-office visits I had, they charged a second fee - $2000 for "treatment for missed miscarriage" Hmmm, I wonder how my insurance co. will feel about that, since he was paid surgical fees for the D&C (which IS Treatment for missed miscarriage!).
I am so sorry you are having to deal with all of that. It is SO unfair - you lose a baby, and then you have to pay through the nose for it.
I work in the healthcare field, medical coding and billing, so if you need any help with the appeal letter let me know. I'd be glad to help you out!