Friday, June 02, 2006

A Real Gripe

Medical Insurance companies suck. They LIVE to suck you dry.

I knew Adam's medical benefits at work covered crap even though we pay $800 a month for the insurance and then pay tons more for out of pocket costs. We knew we would have to pay $2000 for Matthew's birth since that was our yearly "family" deductible but it turns out it was our yearly individual deductible and $6000 is our yearly family deductible. Then I find out the tubal surgery I got approved by the insurance company back in September would also not be covered and I would have to pay for that as well - that one I am fighting.

It isn't bad enough that they cover absolutely nothing but preventative care for Jacob since Autism is an an exclusion for coverage services for everything so we need to make sure any developmental concerns we have for him are only addressed at his yearly appointments or they are not covered since he is Autistic. Now Matthew's cardiologist is an OUT of network provider so we are responsible for $4000 of seeing him before they will cover their 20% of the benefits! Good God!!! What the hell is the point of paying for this??? But with 4 kids, how can we not have coverage????

Ugh. I could pull my hair out over all of this. Thanks for listening to me whine ;)

Posted By Melanie @ 4:05 PM |
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    Mom of 4 - Nick, Jake, Alex, and Matt, Married to my best friend and other half that makes me whole, Adam. Liberal. Jersey Girl always....

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