Tuesday, April 9, 2013

Dogged by infertility

Our health insurance premiums increased this year. No surprise there, right?

Well, they went up 12%. And in January, after Henry's arrival, I switched to the family plan. So thanks to the increase and my need for the family plan, I am now spending over $20,000 a year on health insurance.

Yes, you read that correctly. TWENTY THOUSAND DOLLARS.

I also live in one of the poorest states in the country.

Something isn't adding up here.

I blogged a while back about how I was excited that my insurance covers IVF. Well, that's great and all, but I'm spending an arm and a leg for this fucking coverage. They better cover IVF!

So, I started looking in to individual insurance (versus group plans). I got an incredibly reasonable quote online from BCBS that would save us over $1,100 a month. And I applied.

Time was of the essence, as my open enrollment period is, well, this week. Ends on Friday.

I heard back today from BCBS. Buster and Henry were approved, but I was denied.

Reason?

Infertility.

This plan I applied for doesn't even have fertility coverage! Why in the fuck would they deny me for infertility if they don't even cover the treatments I would need to help me get pregnant?

All of this is a crock of shit.

However, I think we are going to go ahead and move Buster and Henry on to their own plan, and keep me on my plan through work. We will save about $800 a month, which is awesome. But I'm still annoyed.

11 comments:

  1. That seems absolutely ridiculous.. I'd be very annoyed as well.

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  2. That is so nuts. It's not the first time I've seen someone getting denied because of infertility though, even when applying for a plan without infertility coverage. It's a bunch of bureaucratic BS! So sorry your premiums are so high and everything is so outrageous.

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  3. Wow - this is unbelievable! Health insurance pisses me off, and this is just one more reason.

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  4. I thought the health care act made it illegal to deny people coverage for pre-existing conditions? This is total BS. I'm sorry you have to deal with it.

    readingeachpage.blogspot.com

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  5. Wow. That is insane. And it sucks.

    Sorry it is still haunting your finances.

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  6. Wow, that's awful. If you or Buster belong to a professional society, you might check if they have group policies available. And Costco has health insurance too. I used the Costco insurance for about 6 months when I had a gap in coverage. If not for this year, then maybe next year.

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  7. Well, that's a bunch of bullshit, isn't it? Ugh.

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  8. Well thats the biggest load of bullshit I've ever heard

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  9. Why did the subject of infertility even come up? I don't remember ever being asked about infertility when applying for health coverage (my DH is self employed).

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