Reply to Insurance Just Screwed Me

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[quote=Anonymous]Do you have a record of the dates you talked to your insurance provider about benefits? If you kept any kind of record about those conversations, I would call back the provider and ask to speak to a supervisor. The first-line response is always going to be that you are not covered, but you need to keep pressing with details and get as high as you can inside of the call center and/or somehow get someone outside of the call center to discuss your policy. The call center reps are scripted and have no ability to do anything to look further into your case.

Secondly, do you have any risk factors or prior surgeries that would make it necessary for you to be under the care of an OB? I am a mandatory c-section (first birth) because of prior abdominal surgery, so couldn't consider alternatives like homebirth or birthing center. You should look at alternatives that may be less costly  if hospital birth isn't mandatory, though that doesn't mean you still couldn't end up with a hospital delivery due to complications, etc.

Third, talk to the billing people at your OB's office to see if they have any suggestions either in dealing with your particular insurance or what options there may be if you are self-pay. I feel for you and wish you the best of luck![/quote]

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