Tuesday, May 12, 2009

I'm Beyond Upset at my Insurance Company

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.

20 comments:

Dan and Katie said...

I hate insurance. That stinks!!! Maybe having your baby at home would be cheaper :) I am totally reading this cool book about midwifery and am almost sold!

runningfan said...

So Heath doesn't have a group policy, huh? What a bummer! Medical costs are so lame...good luck!

Carolann said...

We've had all our kids in the military so I know nothing about insurance costs, but I'm wondering if there is any chance of signing up with a better insurance company in time to have the baby?

Colleen said...

That's crazy! If all goes normally with your pregnancy it would cost less than 10,000 to have the baby. So on top of all that you are supposed to pay a monthly coverage charge? I'll say it again, that's CRAZY! I don't get all the issues with healthcare, but that just seems wrong! I'd cancel too!

Alice said...

Girl I am there with you. We have a HSA and what I consider a ridulous premium (right at $600 per month). Logan was a surprise and I was pregnant with her in like the 16th month of coverage so I had to cover almost half my bills once I met my $5100 deductible....along with the less than 24 hour stay in the hospital two weeks prior to deliver because of kidney stones which I paid $3200 of the $4100 doctor bill--I paid over $11,500 in doctor bills last year on top of my monthly premiums due to the birth of this child. I did the math--I would have been better off saving $600 bucks a month, go without insurance, and pay all my bills out of pocket. I would be $11,500 richer!

sarasophia said...

OH NO! That is terrible! My husband and I have been paying out of pocket medical expenses for three years now--going through the birth of a child ourselves. Its ridiculous how much it costs to purchase your own policy for a large family....and I'm just praying daily that we don't end up a broken leg or some such horror.

I know eventually we have to do something but, I haven't found a cost effective INTELLIGENT policy yet so, if you find one--PLEASE pass on the info:)

<3 sarasophia

Trinette McCrary said...

Ughhhh! I'm sooo sorry.

dippyrooroo said...

Yikes! So sorry! Everything included (Dr. apts, ultrasounds...) it cost just over $10,000 to have Lauren. But luckily our insurance covered about 90% of that. Our new insurance company handles it all much differently with deductibles and what not, and I thought we had it bad, but I won't complain anymore!
Run, and run far from that stupid insurance company!

Jenni said...

I would do whatever you can to find *some* sort of coverage...even if it meant keeping the awful coverage you have right now until the baby comes. You just never know if you'll need anything extra when the baby comes. When we had Caden we had a TERRIBLE plan that covered very little, but after he spent 8 days in the ICU I was surely grateful I had help paying that $34,000 bill! I'm so sorry you have to deal with this!

"Hello... It's Me Again..." said...

I really don't like insurance either. I had a great policy years ago with former hubby and only had to pay $5 per office visit no matter what they did and $3 for prescriptions. Hospital was $150 no matter what it was for (including having a baby) so it was GREAT insurance.

Now, newly remarried, new hubs insurance doesn't cover my daughter because they have a "no step kids clause" - crazy... so I am forced to have insurance at my job. It is $3,000 deductible per person for up to 3 people, then they only pay 50% IF THEY THINK IT IS A NECESSARY CHARGE. I had a biopsy a few years ago they said was not necessary so I had to pay the entire bill. I actually started taking my daughter to an after hours clinic and pay their "walk-in no insurance rate of $50 a visit." If I gave them my insurance card, then each visit would be over $175 each and no guarantee any of it would go towards the deductible. In 9 years of working here, I've never once met my deductible, but definitely spent more than that amount each year. My kids' dad does not have insurance on my kids, so that is another story....

Let's start an "I HATE INSURANCE" group!!!

By the way, the company I work for has a "free" clinic for people without insurance, but since they know I have insurance, I cannot use it. Arrgghhh.....

I'm Always Rite said...

Stick it to them! ;)

I'm Always Rite said...

PS I forgot my PS.... Uh, yeah. ;)

Heidi said...

If you are dropping the coverage then you need to pray that you don't have any complications or that the baby doesn't come early. Because you could end up with a $150,000 bill for NICU instead.

I'm just saying - they call it "insurance" for a reason. And you probably received a 'cheaper' premium for taking coverage that has such low limits and high out of pocket expenses.

I will keep you in my prayers.

Elise said...

I agree with a lot of people here about keeping your insurance. You just never know what could happen and then you will be glad you had insurance. Matt was born early but at the time had no problems. Once he came home, he had pneumonia twice, a 6 week stay in the PICU, surgery, and a long list of specialists to see for months plus medical equipments we needed at home - all covered by insurance (thank goodness!!). Without insurance, we would have been out more than $1,000,000, probably close to $2,000,000.

For the peace of mind, I would keep the insurance through your pregnancy. I'm sorry you have to deal with this in such a happy time of your life. It sucks and insurance sucks but just like car insurance, we pay out of the world for that and most likely will never use it but the one time we need it, we will be happy that we had it.

Amy said...

Look on the bright side...Everything you pay is tax deductible! Also, I worked in a doctor's office and they would give big discounts to "cash" accounts.

Carolann said...

One more thought, I have a friend that has had all 4 of her kids in a birthing center and it costs about $1700 per baby to do that. The midwives are super nice and gentle and you get to have a baby in a hot tub! My friends are military, but they choose to do this because it is such a great experience. I've heard it's a great environment, but I've always been scared because I need an epidural:)

Sara said...

If you don't do insurance, make sure you call the hospital and find out if they have any special options for people without insurance. At Summerville Med they had something called Maternity Savings Plan for people without insurance: I've forgotten the details, but the gist was that if I paid $1600 or so by a certain date (mid- pregnancy), everything after that was 20% off or something like that. It was a big help! Good luck--insurance is such a headache. And you look adorable by the way!

FORD RULES said...

Great to see the pics of the fam. Jen and I miss guys, the date nights and games.
Sorry about the insurance. I would say to find a better policy surf the net, Heath is good at that. Make sure to ask questions!
As long as you have house and car insurance you should be safe for accidents, but you do need health insurance. See if you can combine car, health, and home.
The first time you have to take some one to the Hosp for an ER visit like we did the last time (3 months ago) it was 2500 for the ambulance, 2000 for the doc, 2000 for the hosp, 2000 for the xrays,2000 for the labs...need I go on? I would consider having the baby at home too, might be cheaper and a good experience!
Hope you find something better soon.

Ande said...

that sucks!!!!

julia said...

ya married people are punished by doing the right thing and there's all these other people having babies or free insane, people are definitely being punished for making a living and we just get by and get nothing for free the government want you to be poor so they can control us I did see a commercial on tv about a Christian insurance company like a co-op and everyone helps pay for eachother bills