The biggest gripe we have, after Heath served his time in the military, was getting medical insurance. It costs so much!! People always said, when we were getting out of the military, "Oh, are you sure? Medical costs really add up!" We told everyone we knew what we were getting into. Afterall, we had three kids before we joined the military. We can handle it.
What we weren't ready for, was making more money. That is a good thing and a bad thing. The bad part, is that we no longer qualified for state insurance, or any of the other benefits families get from having a lower income. We now have to pay for everything...including medical insurance.
So when Heath was offered a job here in Colorado, we researched insurance companies. We found one that seemed to be a good fit. I poured over the fine print, read everything about the policy, and finally signed up for one. Having a background in insurance billing actually paid off! I thought we knew everything about the policy.
Boy, was I extremely misled. I found out today that instead of my insurance covering up to ten thousand dollars for my pregnancy, in actuality, I AM RESPONSIBLE FOR UP TO TEN THOUSAND before they will pay anything. Are you serious? It doesn't even cost that much to have a baby. Why on earth would I pay so much money per month on the premium, then another TEN THOUSAND, before the insurance company kicks in? That is ridiculous. Who would sign up for that policy? Oh yeah. I guess I did. Not what I thought I was signing up for, that's for sure.
Oh, and another thing, apparently I don't have a family deductible of a thousand dollars, but PER PERSON. For a family that hardly ever goes to the doctor, we have now paid more in premiums and deductibles than we would have paid out of pocket for years and years. I am so mad right now. Stupid insurance company won't get another penny from us, that's for sure. I'm cancelling, and I'd rather pay out of pocket for the rest of the pregnancy, than give another dime to that insurance company. It will actually be cheaper.