I hate my health insurance. Hate hate hate HATE. I want to cry right now. Or scream.
So a little background. When I got pregnant with Sly, I was uninsured. I qualified for medical assistance, and it was pretty much the best thing ever. I literally owed ZERO dollars for the entire pregnancy and labor (with the exception of a silly $12 charge from the hospital for cable tv availability). Even though Tom did eventually get hired on at work and started receiving benefits, since I was already receiving the medical assistance, it still applied for me until a short time post-partum.
With my last pregnancy (which ended in miscarriage), I had only the insurance from Tom's work. I knew we'd have to pay some deductibles and such. But I didn't realize how expensive it would be. Now that all the bills have come in (I hope!!) from that ordeal, we've ended up having to pay almost $500 for a baby we never had...for a miscarriage that was early and happened naturally. Just a few appointments with the midwives, an ultrasound. Imagine how much it would have cost by the end!
It's making me very worried about how we can possibly afford another pregnancy and labor.
Anyways, I spent a long time on the phone with the midwives billing person, trying to find out why the bills were so high. The answer we both settled on was this: my health insurance is shit (excuse the French).
I wrote Tom an e-mail complaining about it, and he told me that a co-worker of his had recently visited a doctor, and the doctor informed her that her insurance policy was "the worst he'd ever seen." AWESOME.
I then spent a half hour on the phone with the insurance company (it's United Healthcare, btw - avoid using them at all costs!!) to try to figure things out. Amongst the outrageously high deductibles and out-of-pocket costs, there was another problem. As it turns out, the Midwife Center is not actually in-network as they claimed to be. Only *particular* midwives are. If I get pregnant again, I might be able to insist that I only have appointments with those particular midwives. But what happens when I go into labor? You're stuck with whichever one is on call. I explained this dilemma to the representative on the phone, and she launches into a speech about "well, that's the problem with midwives" and goes on, putting them down, and making it clear that she doesn't respect them as professionals. It made me mad. She claimed that United Healthcare has the same policy towards all other midwife groups, which effectively prevents me from changing to a different midwife group.
So basically...if I'm still living in Pittsburgh (which I will be) and get pregnant again (which I hope to), I'll have to pay thousands of dollars (that I don't have) for prenatal/labor care. And I can't have a midwife. And I'm really upset about that.
Ugh. Makes it tempting to just go without prenatal care and have the baby at home with only Tom there to catch it.