Reply to Insurance Just Screwed Me

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[quote=Anonymous]OP here. To the last poster, what is your Care First policy? Mine is the DC HMO / Open Enrollment. Is that the one you are in?

I'd suggest asking your OB's billing dept to send a request to them to estimate what they will pay. Get that paper and keep it as proof - hopefully it says what mine did, which is that you have coverage. It's better to know now, because if they do follow some stupid rule about only covering in the event of a "complication" you want to know now because you can tell your doctor this. I believe that a doctor can and will look for anything to note in the file as "complication." For example, I stopped dilating at 9.5 cm and within a few minutes they were all saying "C-section." I waited it out all night and into the next day and had a c, but even if I opted for it at the first mention, they would have noted "failure to progress" and there's your complication.

If your doc knows that, they can work with you to note the file properly without doing anything wrong. It's a gray area but if you know before you go in, you're better off.[/quote]

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