It seems like every time I turn around there is another battle to be fought. Why is it that nothing is straightforward and easy anymore?
I just had a baby, right? When we found out we were pregnant we got legally married even though we were in the process of planning our actual wedding. We did it for insurance purposes because we felt it was the responsible thing to do, as opposed to going to the state for maternity benefits.
Sure the government would have paid for my health care as an unwed pregnant lady but that wasn’t in our eyes the responsible or honest thing to do. N was making good money (and supporting me), it’s his child and all we needed was a marriage certificate to get me insured, we were gonna be married anyway… So we were married at the courthouse on Halloween last year. Our unofficial marriage anniversary is coming.
I still hope to have a real wedding someday and I have my wedding gown that’s never been worn… I am a bit sad that we were married without the wedding part, that is another post topic though!
Anyway, we got married and N added me to his insurance so prenatal care and childbirth would be covered…
Now that Everly is here and the labor/ delivery are behind us we’ve begun tackling the insurance aspect of it and I am just livid right now!
We knew the homebirth cost would be paid out of pocket and that we would have to submit for reimbursement later, we didn’t know that for every single claim submitted would be denied or ripped apart piece by piece. The insurance company is throwing loop-hole after loop-hole at us as reasons they wont need to cover our claims.
First there is the $2000 bill for my perineum repair.
I had about 100+ stitches following the birth of Everly and required a hospital transport since there were deep muscle tears and the midwives had never repaired something that severe.
Insurance wont cover the $400 that the hospital billed as co-pay for the visit and they aren’t applying it to my out of pocket maximum amount.
Add the $400 co-pay to the $3500 I paid the midwife for the homebirth and I’ve paid $3900 out of pocket, my maximum is supposedly $2500 though.
Then there is the $100 cord blood test.
We had the test to determine Everly’s blood type and wheather or not RhoGam was necessary. The hospital billed this test as not medically necessary even though OBGYNs consider RhoGam VERY necessary in Rh negitive mothers.
Insurance is fighting us on covering this too.
The cherry on the shit-cake is that the bill for the homebirth was submitted to insurance back in June and when we’ve inquired about the status of it we were told it’s not in their system, so it needs to be resubmitted now.
We’ve been fighting with credit card companies over billing issues, product makers over faulty items, the water company, the bank and now the insurance company. It is just exhausting! I don’t wanna be a grownup anymore.