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Pregnant after a Loss
classicstar28
member
Vent/Rant: Insurance
classicstar28
member
Sorry, I just need to vent/rant about this. So, DH and I are moving when I'll be 23 weeks. I've had health insurance through my employer here in CO, but the insurance I have here does not exist where we are moving (TX). Therefore, I can't use it to see my new OB when we move. So, of course, I thought it would be relatively easy to get new insurance that will cover me in TX. WRONG.
I'm so upset I feel like crying. I called the benefits person at my current employer and she told me that I cannot cancel the insurance I have despite my relocation. I have to have it through the end of July. I was upset because I'd rather have my money than useless insurance, but that is life I thought. So then, I'm in the process of applying for new health insurance and found out today that the new insurance won't accept me because I'll still have my current insurance. Que major freak out. I will need to see my OB at least twice before the end of July in TX. I was told that MAYBE they will let me have the new insurance if I explain the situation to the underwriter. But not for sure. My sort-of step-father/insurance agent said we might have to appeal and fight them before I'll get insurance in TX. Great.
I don't why I can't get insurance that will actually cover me in TX when my current one wont. Who came up with this? The only other thing I can think of to do is to see if I can change plans through my employer to the more expensive one assuming I can use that one in TX, cancel this application, and try again to switch in August. Or I guess we might just have to pay for the appointments out of pocket. In any case, I'm very upset and disturbed.
I'm so upset I feel like crying. I called the benefits person at my current employer and she told me that I cannot cancel the insurance I have despite my relocation. I have to have it through the end of July. I was upset because I'd rather have my money than useless insurance, but that is life I thought. So then, I'm in the process of applying for new health insurance and found out today that the new insurance won't accept me because I'll still have my current insurance. Que major freak out. I will need to see my OB at least twice before the end of July in TX. I was told that MAYBE they will let me have the new insurance if I explain the situation to the underwriter. But not for sure. My sort-of step-father/insurance agent said we might have to appeal and fight them before I'll get insurance in TX. Great.
I don't why I can't get insurance that will actually cover me in TX when my current one wont. Who came up with this? The only other thing I can think of to do is to see if I can change plans through my employer to the more expensive one assuming I can use that one in TX, cancel this application, and try again to switch in August. Or I guess we might just have to pay for the appointments out of pocket. In any case, I'm very upset and disturbed.
This discussion has been closed.
Re: Vent/Rant: Insurance
BFP #1 9/6/2009 EDD 5/29/10. Missy Moo born 5/12/10 after 3 months of bedrest due to PTL, IC and a bicornuate ute causing IUGR
BFP # 2 1/28/12 EDD 10/6/12 No heartbeat seen @ 10 weeks, Autumn
BFP #3 8/18/12 EDD 5/2/13 No heartbeat seen at 7w3d, Mae
BFP #4 01/31/2013 EDD 10/15/2013 No HB seen in our little girl at 10w2d due to trisomy 12, Abigail
BFP #5 6/27/2013 EDD 3/10/2014 diagnosed with protein S deficiency heparin twice a day. Luke's HB stopped at 8wks
BFP#6 12/22/2013 EDD 9/4/2014 No HB seen at 7w2d, Leia
BFP #7- 5/12/14 EDD 01/2015, ruptured ectopic 5/31/14
Began trying for a baby January 2012
BFP 4.25.2013 EDD 1.3.2014 MMC 6.3.2013 D&C 6.19.2013
BFP 11.3.2013 CP 11.6.2013
BFP 3.31.2014 EDD 12.10.2014 Baby boy Carlson born 12.19.2014
"It's, not, where you are, it's where you're going,
And it's, not, about the things you've done, it's what you're doing, now"
TTC Journey Began 8/12
BFP #1 11/9/12, MMC/D&C 12/21/12 @ 9w2d, EDD 7/24/13
SAs: 2%-3% Morph - RE Official Diagnosis Unexplained
BFN = IUI #1 (Clomid) | IUI #2 (Letrozole)
BFP #2 4/19/14 = IUI #3 (Letrozole)
Expecting Our Elf 12/27/14
~All Welcome~
BFP #2 11/3/10; BO at u/s 10w6d 12/16/10; Natural MC 1/7/11; D&C 4/21/11
BFP #3 10/27/11 Please stick, LO!! 2/6/12 It's a Girl! Alexis Grace born 6/29/12
BFP#4 4/27/14 Stick, stick, stick!! 8/11/14 It's a Boy! Evan Wesley born 1/8/15
"Patience is waiting. Not passively waiting. That is laziness. But to keep going when the going is hard and slow, that is patience." Let it Be (blog) ♥ My BFP Charts
This time I'm not leaving without you.
meagpt22 The insurance I have has no out of network coverage unfortunately. I am only covered for emergencies.
BFP #1 9/27/2013, EDD 6/10/2014, Mmc 11/01/2013, completed with misoprostol 11/8/2013
BFP #2 2/5/2014, EDD 10/15/2014, Lillian Verletta born 10/23/14
PAL January Siggy Challenge: Good Advice
is there any way you can take a trip back to CO to see your OB in that time? if it came down to it, it might be more cost effective to just pay for the standard prenatal visit OOP rather than paying for extra insurance. what a sucky situation.
BFP#1 EDD 04.20.2010, SUNSHINE baby boy born 03.31.2010
BFP#2 EDD 12.07.2014, natural mc 04.09.2014 at 5w3d
BFP#3 EDD 01.14.15, RAINBOW baby girl born 01.16.2015
jan'15 january siggy challenge: baby fails
DX Endometriosis 2/2002 (lost left tube due to a cyst), PCOS 6/2010
BFP - 10/18/2012, EDD - 6/26/2013, Baby Girl lost at 22 weeks (T21), D&E 2/15/2013
BFP - 4/23/2014, EDD - 1/2/2015 Twin Boys lost at 12 weeks, M/C 6/25/2014
My chart here All ALers welcome!