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I hate insurance companies!

Forum: Natural Childbirth


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December 3rd, 2008, 07:56 AM
Brittnic's Avatar Super Mommy
Join Date: Apr 2008
Location: Fort Worth, TX
Posts: 650
I had my 4o week appointment yesterday and my midwife told me that my insurance company has refused to give her a "pin code" so that she can bill for my prenatal care and for the birth center. This makes me so angry because we went through the whole pre-approval process and I've met my out of network deductible so we thought we were squared away. Now we have to pay for everything out of pocket and then submit claim forms to the insurance company in hopes that they will reimburse us for some of the cost. We just don't have the money! Luckily my midwife is very considerate and she is willing to work with us. I am so sick of dealing with Blue Cross Blue Shield, they are horrible! I don't know how we are going to pay for this now.

Maybe the stress from all this will cause me to go into labor- yeah right! I was so relaxed about everything and ready to enjoy the birth- now all I can think of is money! I just want to stay home and birth by myself.

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December 3rd, 2008, 08:47 AM
Platinum Supermommy
Join Date: Dec 2007
Location: TEXAS
Posts: 6,494
I have BCBS and they covered it at an out of network rate. Did you call them?

Momma to Brynn 10/2/2002 (midwife at hospital)
Emme 5/26/2008 (midwife at freestanding birth center)
Pierce 11/28/2009 (midwife at freestanding birth center)
and Surprise Baby #4 due 11/13/2011
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December 3rd, 2008, 08:56 AM
mgm78's Avatar Zoe's mom Meredith
Join Date: Aug 2008
Location: PA
Posts: 17,089
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I have BCBS and i only owe $250 for the whole prenatal care and birth/delivery at the birth center. I would call and raise hell, get it figured out before you go into labor. Is your insurance thru one of your's work? If so, call the HR person and make them fix it.

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December 3rd, 2008, 10:41 AM
moon~maiden's Avatar Cheryl~ birth truster
Join Date: Jul 2007
Location: south eastern Mass
Posts: 13,088
Use your frustration for good use and call them ASAP to chew them out! They won't do you any favors unless you pitch a huge fit. Better to do it now than after bebe comes along. You will be too busy cuddling, staring, sniffing and nursing!!

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December 3rd, 2008, 06:35 PM
Husher's Avatar B & E complete me.
Join Date: Jan 2007
Location: NH
Posts: 10,745
Ugh! That's so frustrating! I agree that you should call them ASAP and complain NOW. Good luck hun! Let us know how it goes!

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