Post by thelittleredm on Oct 21, 2016 14:54:54 GMT -5
onesweetworld, Ditto about work....again. This is probably the busiest day for this week and it's still boring. Plus, I don't feel well and napping on a Friday afternoon doesn't make me feel like I'm screwing up my sleep schedule.
The countdown is on for our a/s. So excited to finally find out what these two boogers are. Less than 3 weeks, whoop whoop! I also think that I may have carpal tunnel starting in my right hand :/
I had the most frustrating and useless conversation with my insurance company trying to figure out my prenatal coverage. I have a $5500 deductible, which they tell me is per calendar year. But my company renews our insurance plan in July. So do I have to meet my deductible from July to July? He tells me no, the deductible resets in January. So are you telling me that if I don't meet my deductible by the end of the year, then I have to start over and spend another $5500 before any coverage will kick in? Doesn't that mean my deductible is effectively $11,000??? He says he'll double check and ten minutes of silence later we repeat the same exact conversation. Shoot me.
I had the most frustrating and useless conversation with my insurance company trying to figure out my prenatal coverage. I have a $5500 deductible, which they tell me is per calendar year. But my company renews our insurance plan in July. So do I have to meet my deductible from July to July? He tells me no, the deductible resets in January. So are you telling me that if I don't meet my deductible by the end of the year, then I have to start over and spend another $5500 before any coverage will kick in? Doesn't that mean my deductible is effectively $11,000??? He says he'll double check and ten minutes of silence later we repeat the same exact conversation. Shoot me.
Insurance sucks. I will meet my first deductible before the end of the year, but of course, ours resets January 1st so I start all over. Should meet that one before mid year at least.
Post by jubilantsquirrel on Oct 21, 2016 21:32:49 GMT -5
PirateCat, I don't know much about insurance, but that doesn't make any sense. If your plan goes from July to July then it would make sense that your deductible would also be from July to July.
Also, prenatal care is considered preventative care, which should be 100% covered (there are somethings that you could get charged for, but your standard visit should be completely covered). At least that has been my experience with 3 different insurance companies while pregnant. I could definitely be wrong though.
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