Preparations Part II: Health Insurance

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:

Vaccinations and Testing

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3 Comments

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    The Art of Making a Baby » Blog Archive Maternity Insurance Update | The Art of Making a Baby_The Art of Making a Baby
    November 29, 2010 at 10:05 AM

    […] of my maternity insurance debacle Well, what do you know?  Health insurance people  called. The moron agent, who was incredibly […]

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    Avenall Berny
    December 9, 2010 at 7:21 PM

    Well I am not a critic but I love your work

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    alli
    March 5, 2012 at 7:01 AM

    Can I just say that I LOVE your blog! I started a blog last July because my husband and I moved to Europe and I wanted to be able to tell our family and friends about our adventures. It’s a private blog but I really enjoy writing it even if no one is reading it. I think it’s a great way to log info and have it forever.

    During this time in Europe, my passon for photography has become more of an obsession. Also my husband and I have become very cautious about what we eat so we’ve basically become vegetarians. And I’m the planner (as I used to be an Events Planner) so I tend to plan things (our lives) out into lots of detail. I’m telling you all this because I feel like your blog encompasses a lot of me and we have a lot in common! Especially since now we are trying to have a baby. I’ve already started taking some of your advice so thank you!

    I’m also writing because I had a question. We are getting ready to move back to the states and I’m a bit worried about health insurance. Can you tell me more about Obama Care and how to go about receiving it?

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