WHAT THE HECK IS THE POINT OF INSURANCE???????!!!!!!!!?????????? (Warning Cussing)
Seriously I am so frustraited!!!!!!!!!! So when I first found out I was pregnant and contacted my Midwife they ran my insurance to find out what it covered. Information came back stating they wouldn't cover anything! My midwife explained to me I could apply for Medicaid (that we would qualify based on income I guess) or that I could send my insurance company a letter asking them to cover our homebirth!! So I did, and never heard anything back, until just this week!! I got the letter from them stating that:
Your Anthem Blue Cross and Blue Shield Health care benefits DOES provide coverage for maternity services rendered by a Certified Nurse Midwives in a home or hospital setting. In regards to your use of our current CMN with Traditional Midwifery of Lynchburg LLC, be advised that she is not a partcicipating provider with your health care plan and that your health care plan does not have out-of-network benefits. Any services rendered by her will not be cover. No exception can be made. The use of a Midwife within your plan's PPO Network is suggested. For your review and possible use I have enclosed a listing of participating midwives in your area!
They then go on to list only hospital birthing Midwives. The ones with the Forest center over an hour from me. The same ones who delivered my second son almost killing him, who told me he was gonna be over 9-10 lbs (he was 6 lbs 5 oz) the ones who faught with the nurses IN the room while I was in labor, the ones I only saw twice the entire time I was in labor, and the ones who refused to even admit me into the hospital or let me out of the bed for over 4 hrs SWEARING I wasn't in active labor and they were gonna send me home. When I actually was! They are JUST like OBs, and I be DAMNED if I am going to go with them!!!! So now to contact my Midwife and see what she says. And then to decide what to do, do I pay the $3,000 out of pocket, $3,500 if I include my Doula fee. Or do I get Medicaid for the pregnancy and pay only $1100 out of pocket. Its just so annoying!! The letter we sent gave all the facts on the saftey of homebirths, and how much money they would save with my homebirth delivery as opposed to a hospital birth. And yet they wont cover it! And I LOVE how they gave me all hospital birthing Midwives as participating Midwives...yea that is because they no damn well that they deliver in hospital! GRrrr
I contacted my midwife and she said that all of her patients are getting these denial letters essentially saying they do cover homebirth when they actually do not. She asks for us to contact HRM and let them know that BCBS is essentially commiting fraud by saying they do when they infact do not. So I am gonna contact Hubby's HRM and let them know how I feel, its so frustraiting!!