I am pretty upset right now. Some might say I have good reason to be, but I am slowly calming down.
Health insurance. I hate it, and I love it. Generally speaking, we are pretty healthy, but who wants to be surprised with an illness or injury that takes us out financially for years to come? Not me. So we had a generic plan, with dental coverage as well for my genetically horrid teeth. The rates kept rising, so we decided to make a switch. Eventually we are hoping to switch to an HSA policy, but until we can get our savings built up, we found a traditional coverage plan that will do.
Today I got a letter explaining to me that my rate was going to be 30% higher than quoted. I called. Reason? C-section.
Why am I upset?
1. the policy doesn't cover maternity care.
2. the c-section was unnecessary, definitely, without a doubt, unnecessary.
3. there are no means to appeal except to find medical documentation that it didn't happen.
4. there are no breaks for my VBAC status.
5. THE POLICY DOESN'T COVER MATERNITY CARE!
6. I feel like the c-section keeps costing me. It cost me initially in ways financial and other, but here we are 4 years later and it is STILL costing.
Now, before you express concern over my current state of frustration, I DO know that God is sovereign and He knows about this. He will provide (and has!) for all our needs. He keeps His promises, all the time. I'm disappointed that the money we thought we'd be saving by switching policies just went away because of a doctor's decision based on who knows what. So all the hassle ended up being for nothing.
I do feel that there is injustice here. I think that is why I'm upset. I can see why people sue doctors - not that I am going to, I can just see why. Poor decisions by doctors end up costing in so many unexpected ways.
So here's another reason to avoid a c-section if it is at ALL possible, especially if you will ever have to pay your own health insurance. It will cost more every month.
Incidentally, about the lawsuits. Does anyone else think the reason health care costs are through the roof ridiculous is due in part to those lawyers whose commercials urge you to sue for health care mistakes? And then the insurance required to keep doctors "covered" if a lawsuit is ever filed against them? Oh, for simpler days...no really, more like - oh, for heaven and home!