Friday, December 28, 2007

Have I mentioned how much I HATE insurance companies??

M and I are having an issue regarding insurance. She currently has BCBS insurance and had checked into adding maternity coverage which is done in the form of a rider. It isn't the best insurance for pregnancy - costing $150-200/month for the coverage, then a $2,500 deductible, after which they pay 80%. But we need something in place just in case she has to have a c-section and ends up spending 3 or 4 days in the hospital, or if she has some other medical problem like M's sister did with the ruptured aneurism that required major surgery the day after they delivered her son. I'm scared to go into this uninsured... I don't need to end up with $40,000 in medical bills!!!

So, we're checking into alternatives - but apparently you aren't allowed to have babies in NC!! BCBS says that you can only add the maternity rider in November, to take effect January 1. If we start a new BCBS policy for her, they will cancel the existing one, which will be a problem because she currently has her kids grandfathered in - she's only paying for 2 of them and on a new policy she would have to pay for all 3 - a difference of about $150/month for the next 13 years!! So, we started checking into other insurance options, but many companies do not offer maternity coverage in NC!! WTH?!? Guess they feel that we're overpopulated here!

Right now I'm not sure just what we're going to do... we have to get something in place to cover her... wish I could just add her to my Tricare.