After weeks of filing out forms and waiting…and waiting…I finally got approved for health insurance and received my insurance card in the mail.
Ecstatic, I began to call doctors right away. I could go on and on about how difficult it is to find a good OB in my area who accepts my new insurance, is currently accepting new patients, and does not have a months-long waiting list. But I won’t get into that now. There are more pressing issues at hand.
J and I just returned from an OB that had a last-minute cancellation and was able to fit us in the same day. I was especially anxious because we have not had a checkup in a month, and was worried at how my terrible cold had affected Tater Tot.
The doctor discovered that I had been bleeding. Not enough for me to notice, but definitely enough to have formed clots.
Luckily, we were able to hear the baby’s heartbeat, and my cervix is still closed.
The doctor has ordered a full bedrest for the next week.
At 12 weeks, my chance of miscarriage is less than 2%. This is the time that many parents decide to announce their pregnancy, with the most risky weeks behind them. It seems oddly ironic that we are at a very high risk of miscarriage during the last week of my first trimester.
Sadly, the story does not end here.
As we said goodbye to the doctor and proceeded to the front desk, the receptionist gave us an apologetic smile and told us that my insurance provider is refusing to pay for my visit.
“Did you just start coverage with them? They’re saying that your pregnancy is a pre-existing condition that is not covered under your policy.”
When applying for insurance, I had specifically told them that I am pregnant. In fact, I had mentioned it twice in my application – the first under health history and the second under additional comments: “I am currently seeking insurance coverage for my pregnancy.”
Obviously, I can’t call to complain, because their customer support is not open on Thursdays. However, there is a very good chance that I will end up canceling the policy (I will try my best to get my first month’s premium refunded) because either they will require me to pay a sky-high fee to get prenatal coverage, or they will just flat out refuse to cover me.
Thanks a bunch, Horizon Blue Cross Blue Shield. You are yet another reason why the U.S. healthcare system sucks.
Please pray for us in this difficult situation, everyone…