Read Preconception part I here
November was a month away when I realized that there was no way I could be ready to start trying. So we decided to postpone it 3 more months to allow adequate time for 3 months of “off the pill” cycle and finish up the more mundane planning tasks.
Maternity Coverage:I HATE health insurance companies. I think they’re are some of the most rotten companies on the planet, bent on doing nothing but finding way to deny claims and cover nothing. I had been with Humana a while back and it was miserable. A year ago I switched BCBS and have been relatively happy with the coverage. However, it came time to add materity coverage. The deal with maternity coverage is that you have to start it 30 days before conception or nothing will be covered. When I called BCBS, I found out that my particular policy only had 1 option for maternity, and a very sucky one, if you ask me ($2500 deductible and then 50% co-insurance- SAY WHAT?). I might as well go and pay it all out of pocket.
Then I was educated about a new plan that just came out under Obama Care ( YAY for Obama!). And by educated, I meant , I was told one exists but the salespeople answering the photo were too dumb to explain it to me and to know what’s covered. The excuse was “It’s a new plan!” – I don’t care- I’m not going to sign up for something you can’t even tell me details about.
Finally after 5 phone calls ( seriously), i was told that the plan, in fact has a co-pay of $35 for the first prenatal visit and then every other visit is free, until I get admitted for delivery and at that point it’s $150/day at the hospital. That’s seriously kick ass! It costs an additional $217 a month, but in my book it’s well worth it.
So all paperwork was filled out and mailed out, however based on the incometency of everyone I encountered at the sale call center of BCBS, I don’t expect it to be “fast-tracked”. So there I sit and wait for 6-8 weeks of promised time to have my policy underwritten and issued. Bummer!
As it’s looking now, the policy will be issued some time in January, hopefully right in time for February conception, in case we do indeed get pregnant the first month ( which of course I don’t think will happen)
That being said about health insurance, I had also tried taking care of dental insurance ( switched plans) and I am waiting again… for the policy to be issued so that i could go get my wisdom teeth extracted before the end of the year and also my pre-conception cleaning done.
You might ask why i need to worry about my wisdom teeth… Well, two of them are partially impacted, which means they’re breading ground for bacteria. The last thing I want to happen when I get pregnant is have one of my wisdom teeth get infected and need antibiotics or worse, extraction.
My goal is to have a completely clean, calm healthy body going into conception: no inflammations, no antibiotics, no toxins. That is why I am making sure that any possible complication is forseen and taken care of.
Which brings me to: