On October 1, 2010, my insurance coverage changed. The former plan I had through my company offered me $25 copays for my OBGYN, with a sizeable deductible for hospitalizations, but still a rational number. The cost of that plan went through the roof. Whether this rate increase is caused by the insurance company's fear of Obamacare or just greed, I may never know - each side will blame the other. And, switching around news stations, the blame will get spread evenly. However, the truth is that my former plan was no longer affordable to me or my company. So, as Socrates did so many years ago, I picked my poison.
Note: I am not being hyperbolic.
The "best" option for my family and I was to put Nathaniel back on his own, Massachusetts-based student plan and for me to choose a high deductible plan. A high deductible plan means I pay the first $2750 for anything and everything out of my pocket and get 100% coverage after that. I also would keep my premium down to around $400 a month, 50% of which my company covers. In addition, I get a Health Savings Account, where I can ferret away pretax dollars to pay that deductible down.
If I planned correctly at all, this set up would mean that I could pay for my doctor out of my own pocket (partially) using the pretax dollars I was saving over a longer period of time and leave the hospital without any bills for myself. That was such a cute little world I had created for myself.
I am the person caught in the middle of the "big, mean insurance companies" and the vigilante health care czars. I am now being forced to pay $2500 BEFORE MY BABY IS BORN in order to maintain the care of my doctor's office. Since my deductible is $250 more than that number, I have to pay it out of pocket. No help from anyone. As we are moving into a new house. As we are trying to save for at least 6 weeks of maternity leave. As Christmas is here.
I am so frustrated about this issue, I don't even think I can write articulately about it. My doctor's office asked for $625 a month until February in order for me to retain their baby-catching services. THAT IS ANOTHER RENT PAYMENT.
I asked the girl in the office what I needed to do. Do they have a procedure that would prevent my child from emerging if I can't pay that money? Am I going to be asked to leave the practice? Are they, honestly, serious about this whole thing?
After a period of what I deemed pretty rational and justified anger, I even attempted to qualify myself for emergency Medicaid. Of course, I make too much money. I just don't make enough money to PAY THAT AMOUNT TO A DOCTOR'S OFFICE TO CATCH MY CHILD AS HE/SHE EMERGES FROM MY WOMB BEFORE THAT CHILD EMERGES FROM MY WOMB.
I'm not sure what to do from here. Their fee is a standard fee for child delivery. Moving to another practice would, most likely, not offer anything different, except the opportunity to tell my insulin resistance story for the 102395748574832 time and have to go through that frustration.
In any case, I have a child coming forth around the middle of April. I am seriously considering finding a tree in Umstead Park to have this baby under. We could make a party out of it. As long as I don't get my mother's pre eclampsia or toxemia, it'll be a blast. I believe this scenario to be the only logical solution to my "health benefit" crisis.