Hi there, My wife and I just moved to maricopa back in December. We just had a baby on 1/27/08 and we are running into insurance problems with my wifes insurance and I wanted to see if anyone in the community might have some experteese on this subject. When we first found out we where pregnant I called up her insurance company and they explained to me that she has a $2500 deductible without any co-pays. So we would need to pay for EVERYTHING up to $2,500 and then they take care of the rest. They also said they cover the baby for the first 30 days. They also explained that we can add him to her insurance but that would make it a family plan and raise the deductible to $5000. So i called around to see what it would cost to get him insurance and everyone I called explained that I could not get insurance on him until after he was born, that the mothers insurance is suppose to cover his charges. So now we had the bay and I start getting letters from her insurance company telling me they are declining claims to our son, that the hospital is sending in seperate bills for his shots and hearing test, plus the $1300 for him to be in the hospital. Now I also have a hospital bill for $2300 which we have been saving up for and got ourselfs ready for the $2,500 deductible that I knew I had to pay. So i called her insurance and now they explain that the 30 days coverage is not automatic, that they can cover him for 30 days after he is born but they will then make it a family plan with the $5,000 deductible. So at first they made it sound like I had options, but when I comes down to it I really don't. They are refusing to pay any of the charges that are being filled under his name and that we will have to pay for all that now. It does not seem right that when I first asked them how this would work and they explained that $2,500 is the max I would pay because they cover everything after that, now they are chaning the story and we are looking at another $1,500 added to the $2,500 I was already expecting. If I add him to her policy then I will be paying $5,000 before her insurance even kicks in. I understand that if I had read her packet of coverage and was actually able to understand what the legal crap means that I would have figured this out, instead I called them and their customer service explained it wrong to me and now I feel like we are getting screwed. If anyone has any advice or insight please let me know. I have already spend a few hours on the phone with the insurance company and they have said sorry so many times I just can't handle it anymore. At one point their customer service even said that some of the employees might not 100% understand how it works so they could have explained it wrong. Thanks for any help / advice. I am going to try and keep fighting with them. If they had told me that him being covered for 30 days counted as adding him to the policy then I would not be in the position. Since it seems to be a standard not to insure an un-born child they should really have said "You have 2 options, add him to his monthers policy and your deductible goes up to $5000 or pay the medical bills yourself." Instead of "We cover him for 30 days and if you would like to make it a family plan then your deductible goes up to $5000. |