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Insurance Rant


Forum: June 2014 Playroom

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  • 1 Post By AtomicMama
  • 2 Post By rabbitranch
  • 1 Post By Fall

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  #1  
October 21st, 2013, 12:06 PM
Mega Super Mommy
Join Date: Jul 2011
Location: Oregon
Posts: 1,290
A little back ground to start off with. I was laid off three years ago due to budget cuts all civilian contractors for the Oregon Military department were let go due to budget cuts at which time we lost our private insurance. My husband is self employed so private insurance for our family and because of the line of work he does it's too expensive for us.

So two weeks ago I applied for State insurance. Well with the new OBMAMACARE they are back logged. My OB won't even make an appointment for me until I have insurance. I called twice last week and was told I should have it by today. So I called this morning after talking to a rep and then put on hold 57mins later was hung up on. I called back again got another rep who put me on hold to go talk to a lead 25mins hung up on! Called a 3rd time! Just asked to speak to a lead and am finally getting pushed through their system and will hopefully have insurance by the end of the day! I'll be 8weeks on Thursday and have yet to see my OB because of these people playing games! Thankfully there is a clinic here that will see you until your able to see your normal OB so I went there last week and they are having me back in the morning. For crying out loud I even let the reps know I'm high risk and can't go in until they get their S**T squared! I'm just sooo frustrated that I can't even see my doctor because of these new rules!

Sorry I just needed to get this off my chest before I exploded!
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  #2  
October 21st, 2013, 12:10 PM
AtomicMama's Avatar CopperBoom!
Join Date: May 2008
Location: MI
Posts: 14,754
Big hugs!!! I'm so sorry! What a pain. Hopefully it gets pushed through today and you can set up an appointment tomorrow.

I'm having insurance struggles right now, too. The birth center I love is out of network, so it's quite a bit more expensive than using an in-network hospital. I just don't know what to do.
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  #3  
October 21st, 2013, 12:24 PM
rabbitranch's Avatar est. 2000
Join Date: Jul 2007
Location: central FL
Posts: 13,832
Unfortunately we're probably all going to hear more and more about insurance woes with the government having its hands all over medical care now.

We had an individual plan years ago when I was pregnant with #2 and it wasn't too bad monthly. We had to pay a pretty hefty copay for the delivery and no one would see us without it being paid up front but it was better than nothing. I think a plan like that is out of reach for maternity coverage now, though! I hope everything gets straightened out!
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  #4  
October 21st, 2013, 12:34 PM
Mega Super Mommy
Join Date: Jul 2011
Location: Oregon
Posts: 1,290
Thanks Ladies. It is a pain. I miss the insurance we had through my old job it was amazing. The only problem we have is no one would give us insurance that we could afford. Just for my husband was $1000 a month because they all say he has a high risk job. I agree we will hear a lot now with the government having their hands on medical.
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  #5  
October 21st, 2013, 02:18 PM
BuckeyeGal23's Avatar Happy Mommy
Join Date: Feb 2010
Location: Ohio
Posts: 4,020
Oh no! What a bummer. I am also bummed about insurance changes. With my son it cost $250 to have a c-section...now it will be upwards of $2k! UGH!
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  #6  
October 21st, 2013, 07:28 PM
mrsdaiwa24's Avatar Amy, soon-to-be-mama of 2
Join Date: Aug 2009
Location: The Midwest
Posts: 10,094
I'm sorry this has been so frustrating for you! I hope you can get things cleared up soon!!!
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  #7  
October 24th, 2013, 07:59 PM
Veteran
Join Date: Oct 2013
Posts: 330
My first estimate from the ob for prenatal and ultrasound is more than each of my two previous deliveries.( ob, tests, hospital, etc) I hate our new insurance. We are stuck because I only work part time so we have to use what is available to my husband.
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  #8  
October 24th, 2013, 08:28 PM
Platinum Supermommy
Join Date: Aug 2010
Location: Virginia
Posts: 6,097
Mine is over $1k and that is just for my regular visits. My specialists test will be additional, and then the hospital stay. I've looked into a second insurance and NOTHinG close to affordable covers pregnancy
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  #9  
October 25th, 2013, 02:43 PM
HopefulMommy81's Avatar Platinum Supermommy
Join Date: Aug 2009
Location: California
Posts: 5,640
Ugh that sucks. I hope it gets straightened out soon! My insurance isn't that great, but it covered pregnancy fairly well last time. I never even had to pay anything for delivery....probably because I had so much prenatal care that I reached the max LOL.
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  #10  
October 25th, 2013, 03:00 PM
Mega Super Mommy
Join Date: Jul 2011
Location: Oregon
Posts: 1,290
So an update. I finally got things taken care of. Monday I'll be able to call my OB and make my first appt. I'm looking forward to that.
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  #11  
October 26th, 2013, 02:56 PM
Caitlin's Avatar Platinum Supermommy
Join Date: Jul 2005
Location: Camp Lejeune, NC
Posts: 8,882
Such a pain! Everything moving forward with the ACA is a major reason we decided to reenlist for another 4 years in the Marine Corps.
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  #12  
October 26th, 2013, 04:30 PM
Platinum Supermommy
Join Date: Feb 2008
Location: Michigan
Posts: 7,430
Good luck with everything!!
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