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.



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.


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

  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.

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

  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.


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

    Sorry it is still haunting your finances.

  6. Wow, that is such crap!

  7. 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.

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

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

  10. 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).


Related Posts Plugin for WordPress, Blogger...