Monday, June 22, 2009

And we're paying weekly insurance premiums because........?!?!?

Ok, I know it's been awhile since i've posted here........dealing with doctor visits and now a two week old is time consuming!! But, I need to vent.......

We have had the WORST experience with a health insurance company this entire pregnancy, and it seems to be even worse than we thought. Before we had the IUD taken out, Z called Aetna and asked them if they covered pregnancy and how it all worked. He was told (and I was there when he talked to them) they cover pregnancy and all we would be responsible for was the office copay. Fine, sounds good to me! Well, we had the IUD taken out and when they started with blood work we kept getting bills in the mail from the lab.....you see, Aetna only covers 70%....of EVERYTHING!!!! WTH?!? And, as for prescriptions, we have to pay out of pocket and then submit paperwork so they can reimburse us. Fine.......we did that and within 30 days we usually had our money back....until earlier this year when they told us we have a $500 deductible we hadn't met yet. WHAT?!?!?!? Then, in the hospital after giving birth, we found out they will only cover 70% of the hospital stay and birth.......un-freakin-real. But the real kicker today.........our OB office called Aetna for us to find out if they covered me getting another IUD put in. (Z is getting snipped, but not until we get better health insurance, which won't take effect until the first of the year and we NEED to have some sort of birth control until then) So the OB office called me back today and get this.....Aetna covers NO birth control options for me at ALL! And to get the Mirena IUD......$963.

So again I ask.....WHY ARE WE PAYING WEEKLY PREMIUMS FOR AN INSURANCE COMPANY THAT COVERS BASICALLY NOTHING?!?!?!?

2 comments:

faemom said...

Found you through the mom blog network. I just wanted to say that is horrible. Just horrible! That's ridiculus. I wish I could give you some advice to help, but I have none. I swear insurance companies are freakin' evil. I just can't believe they don't cover any birth control. That's just crazy. I hope things get better or better settled.

Christine said...

Thank you so much...*hugs*