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August 2011 Moms
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Insurance Vent

sapphirewolfkdvsapphirewolfkdv
in August 2011 Moms

Sorry ladies. I'm just fuming at my insurance company right now. When I first became pregnant, we were informed that there was a separate maternity deductible of $7500, plus a pretty high co-insurance rate. Our portion of the delivery (assuming it's a normal vaginal delivery) is $2500, plus whatever is remaining of the deductible. We have so far paid for this entire pregnancy out of pocket because of this high deductible, and it has really screwed up our finances.

Well I received a letter today informing me that because we have been making frequent claims to our insurance (due to my pregnancy), our premium will be raised by more than $60, starting next month. Excuse me, but you haven't actually PAID any of those claims because they are all maternity care claims that I have paid out of pocket to go toward the deductible! You are charging me more per month to continue doing nothing?

I realize that insurance companies regularly raise their rates, but this letter was just blatantly informing me that the rate hike was due to the frequent claims being made. GRR!!!! Stupid insurance scumbags. Right now I'm just desperately praying for DH to find a good full-time job to replace the current job (which he'll be losing by the end of the year) with a good insurance plan so that we no longer have to pay for private insurance like this.

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Re: Insurance Vent

  • nhinze01nhinze01

    I'm so sorry you are having to deal with this right now.  Insurance is the last thing you should be worrying about right now.  I am lucky enough to have great insurance(I'm a nurse in a hospital).  I really want to go part time(esp right now because I am having a hard time getting through my 10 hours shifts on my feet) but i'm worried because my insurance will triple if I drop down to part time and DH's insurance is out of network(BIG deductible).

    Good luck!  Hope you hubby gets a new job soon!!

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  • cozylittlecavecozylittlecave
    I'm sure the insurance company has covered their bases & it's all written in fine print somewhere, but I'd still probably call and throw a fit/clarify. I mean... seriously. Too many claims... and you haven't even reached your deductible? That's ridiculous. Out of curiosity, is your pregnancy high-risk, or is there any reason you've been having more tests/procedures done than normal? If not, then I would imagine EVERY pregnant woman has 'too many claims' ...again, sounds pretty ridiculous to me.
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  • sapphirewolfkdvsapphirewolfkdv

    imagecozylittlecave:
    I'm sure the insurance company has covered their bases & it's all written in fine print somewhere, but I'd still probably call and throw a fit/clarify. I mean... seriously. Too many claims... and you haven't even reached your deductible? That's ridiculous. Out of curiosity, is your pregnancy high-risk, or is there any reason you've been having more tests/procedures done than normal? If not, then I would imagine EVERY pregnant woman has 'too many claims' ...again, sounds pretty ridiculous to me.

    Nope. My pregnancy hasn't been high risk at all, and the first extra procedure I will have is my extra ultrasound on Monday because the baby didn't seem to measure enough at my appointment this week. Otherwise all has been well. I think the insurance company is just being ridiculous. 

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  • MrsCase1MrsCase1 member
    oh man, that blows chunks! i have a similar vent but if i try to type it out i might get hysterical, cry, or otherwise lose my cool. big hugs to you from texas!
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  • jaredandjennyjaredandjenny

    So sorry to hear about your insurance problems.  We have our insurance through DH's work and our deductible is super high anyway.  Ends up being 5,000 per individual or 10,000 per family.  Ridiculous to me.  However, his employer pays the premiums, so it's better than going through my work where the deductible is only 3,000/6,000 and we would pay a portion of the premium.  I did the math, it works out, especially if we don't end up going to the hospital much.  However, maternity/well child services are 100% paid.  Except for radiology and lab work.  Which I have had A LOT of with dealing with UTI's, plus they just do a lot of lab work for pregnant women.  Also, ultrasounds are apparently expensive.  Our 20 week cost us almost $1000 so I am probably half way to meeting the individual deductible.

    I hope your DH can find something with good benefits that pays well!

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  • clg283clg283
    I have a friend who has worked with many different insurance companies and of course all states are diferent and we are in Georgia but she said she is pretty sure this is illegal and should be reported to your states insurance commissioner. She also mentioned that if you 2 together make less than 30,000.00 a year you should qualify for medicaide.  she went through this when she was laid off last year but said that she got just as good of care with medicaide as she had previously through her company medical insurance.  And didn't pay a dime for anything!!!!!  Might be worth it to check and see if you guys qualify.  if for no other reason than to save yourself the stress.  GL hope it all works out for you.
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