I am not sure how many of you have been in this situation, but I found myself pregnant and was paying for my own health insurance independently, since I did not have any insurance through my work. Well, they didn’t cover maternity. I got into a wonderful argument with the woman on the phone about it. “You don’t buy house insurance without planning to buy a home first,” she said to me snottily. I said “Yes, but no company who provides home insurance forces you to prove you do NOT have a home first to give you home insurance!” They wanted to force me to take a pregnancy test to prove I was NOT pregnant in order for me to be able to sign up for maternity coverage. At least 40% of pregnancies in the United States are unplanned, and you know the insurance companies know this. Anyone still defending our health care system in the United States who is NOT on the take from insurance lobbyists?
Here is a depressing article about maternity coverage, or the lack of it, from WebMD if you want to hear about more mothers getting screwed, no pun intended, with huge hospital bills even if they are insured!
I can’t wait for Michael Moore’s “Sicko” to come out. A lot of Americans look at what they have, some insurance from their employers, and think a lack of insurance is a problem for homeless people and bums. It’s not. And when we have insurance and it still doesn’t cover squat (I just paid a $465 bill for my son’s broken wrist. I pay $400 out of pocket every month for health insurance for my family. I am still nowhere near our deductible, and I am halfway through the year.) it is starting to be everybody’s problem, not just the problem of the faceless them we try not to make eye contact with when we are driving through a not-so-nice part of town.
For those of you who like a happy ending, I got hired at four months pregnant, and the company (*koff* Blue Cross Blue Shield *koff*) who told me they would not cover my pregnancy ended up having to cover it through my employer. Lucky for me I didn’t have to wait 6 months or even a year for my health insurance benefits to kick in. Lucky for them I used a midwife and it only cost them a thousand or two. Check out the link above to find out what normal labor and delivery costs are, especially for cesarean sections. With a 50% cesarean rate in some hospitals down here, BCBS should be thanking me.