Saturday, January 17, 2009
Insurance Frustrations
Health insurance is really frustrating, I do not understand how nothing is ever covered. The bills have started rolling in from the early HCG tests and from the ER visit in California. The ER in California wasn't in our "network", so nothing from that visit is covered, and they are only covering a small amount of the 4 HCG tests I had. I know this is probably just their "policy", but it really annoys me! I don't even want to think about what is yet to come with testing to figure out what (if anything) is causing the miscarriages, because I am sure insurance will cover nothing to do with that.
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3 comments:
I'm sorry about your insurance coverage. I hate getting those unexpected infertility related bills. It just makes things even more stressful.
I just came across your blog and I feel your pain. I have had four miscarriages and one ectopic with absolutely nothing medically wrong with either my husband or I after extensive, expensive testing. I am 10 weeks pregnant so I am writing to say, do not lose hope. Each loss gets harder and harder to deal with and I pray that you do not have anymore. Our insurance wouldn't cover any testing until we had experienced three consecutive miscarriages and they didn't count the ectopic as one. It's very frustrating but get very familiar with your policy and hopefully that will help alleviate some of these unexpected bills. Good luck to you!
I have dealt with the ins battle myself and I have to say you should really give a shot fighting the ER trip in california. I dont know what the specifics are but my insurance denied one of my very expensive claims, I appealed the denial and won! Insurances will always deny first. Thats how they do things. See if you can find a loop hole it may be worth it.
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