tag:blogger.com,1999:blog-20642800.post6172823690316245337..comments2024-03-05T11:36:50.299-05:00Comments on Stand and Deliver: How do I hate thee, insurance company? Let me count the waysRixahttp://www.blogger.com/profile/07908864785513937876noreply@blogger.comBlogger22125tag:blogger.com,1999:blog-20642800.post-74087714517485698812009-04-11T18:38:00.000-04:002009-04-11T18:38:00.000-04:00why are you using a medwife? I was a little disapo...why are you using a medwife? I was a little disapointed in you for not UCing, and now it's like wow you must not really stay true to your word. <BR/>CassandraCassandrahttps://www.blogger.com/profile/04350154961582861412noreply@blogger.comtag:blogger.com,1999:blog-20642800.post-49538251038814920542009-04-10T15:10:00.000-04:002009-04-10T15:10:00.000-04:00Yes, CNMs can work autonomously here--they just ca...Yes, CNMs can work autonomously here--they just can't prescribe certain meds without a signed collaborative agreement. My CNM told me that NO CNMs here, even hospital based ones, work "under direct physician supervision" as my insurance clause mandates. <BR/><BR/>Anyway I'm waiting to hear back if my college was able to rewrite the insurance contract. Hoping they were...the woman I spoke with was hopeful but couldn't guarantee she'd be able to get it changed it time.Rixahttps://www.blogger.com/profile/07908864785513937876noreply@blogger.comtag:blogger.com,1999:blog-20642800.post-23687481611091177862009-04-10T15:05:00.000-04:002009-04-10T15:05:00.000-04:00RixaIs it legal for CNMs to work autonomously in y...Rixa<BR/>Is it legal for CNMs to work autonomously in your state? If so, this insurance clause is a restraint of trade for CNMs, not to mention the limitations it puts on you personally in your choice of competent health care providers! Let us know how you make out...<BR/><BR/>KathyMidwife Kathyhttps://www.blogger.com/profile/04943240961335938851noreply@blogger.comtag:blogger.com,1999:blog-20642800.post-47187649440303225742009-04-09T21:52:00.000-04:002009-04-09T21:52:00.000-04:00We couldn't get insurance coverage of our CNM for ...We couldn't get insurance coverage of our CNM for homebirth. It was very frustrating. Hope you can be a trailblazer for other homebirthers in your state!Laurenhttps://www.blogger.com/profile/11903428524066550435noreply@blogger.comtag:blogger.com,1999:blog-20642800.post-43976690514378526752009-04-09T21:50:00.000-04:002009-04-09T21:50:00.000-04:00I'm so sorry! I'm praying this will all work out ...I'm so sorry! I'm praying this will all work out for you! A very pregnant lady does not need any more stress in her life.Michellehttps://www.blogger.com/profile/01286418014358269661noreply@blogger.comtag:blogger.com,1999:blog-20642800.post-79809148467654841122009-04-09T03:19:00.000-04:002009-04-09T03:19:00.000-04:00Hey that is not acceptable they made the mistake a...Hey that is not acceptable they made the mistake and it shouldn't be your problem. they have to sort it to you need to be form with insurance people especially during this time.Shame its an unnecessary stress you need now. wish you all the best . ireneAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-20642800.post-320394159552329212009-04-08T18:59:00.000-04:002009-04-08T18:59:00.000-04:00Something similar happened to me: originally was t...Something similar happened to me: originally was told they would cover 80%, then denied it. We ended up paying out of pocket and then harassing them every week with phone calls and letters until six months later, they agreed to pay for half.Shellyhttps://www.blogger.com/profile/02860907200379863018noreply@blogger.comtag:blogger.com,1999:blog-20642800.post-16844696601111831452009-04-08T16:18:00.000-04:002009-04-08T16:18:00.000-04:00That sounds miserable! I've had a ridiculous time...That sounds miserable! I've had a ridiculous time getting any coverage for this pregnancy (I'm 27 weeks now) and because of it, haven't seen the midwife yet, and will end up paying most of the cost out of pocket. Insurance can be a blessing, but more often than not, it's just a freaking hassle!~Aimee~https://www.blogger.com/profile/15026141298899069357noreply@blogger.comtag:blogger.com,1999:blog-20642800.post-69324705115877219492009-04-08T15:43:00.000-04:002009-04-08T15:43:00.000-04:00I'm sorry. Insurance sucks! I am planning my secon...I'm sorry. Insurance sucks! I am planning my second home birth right now and am having the same kinds of problems. We will end up paying out-of-pocket even though my midwife is a naturopath physician. The fact that she's a doctor doesn't help. My plan even covers naturopathic care with no limitations... except home birth. So frustrating.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-20642800.post-43575406244598583892009-04-08T14:43:00.000-04:002009-04-08T14:43:00.000-04:00I have a dream that one day, money will not be a f...I have a dream that one day, money will not be a factor in dictating the place she give birth for any woman! I hope this works out for you!<BR/><BR/>~Melissa<BR/>www.nursingbirth.comNursingBirthhttps://www.blogger.com/profile/02060996585941326413noreply@blogger.comtag:blogger.com,1999:blog-20642800.post-59910876708004965002009-04-08T11:48:00.000-04:002009-04-08T11:48:00.000-04:00I HATE insurance too Rixa. It gets my blood boilin...I HATE insurance too Rixa. It gets my blood boiling so ferociously that I can't talk sometimes. I have had way too many encounters with insurance with my own situation and with other people who don't necessarily have the resources to be as persistent and it makes me furious that the people who are hurt are most often children, older people and really sick people who shouldn't have to be worrying about a bureaucracy that does NOT have their best interest in mind. <BR/><BR/>I really hope it works out for you.Juliehttps://www.blogger.com/profile/17625864994635465787noreply@blogger.comtag:blogger.com,1999:blog-20642800.post-62446288483698074092009-04-08T11:22:00.000-04:002009-04-08T11:22:00.000-04:00I'm so sorry! How stressful, and talk about bad ti...I'm so sorry! How stressful, and talk about bad timing! Hopefully you'll get some good news today?Stephhttps://www.blogger.com/profile/02656533971001260102noreply@blogger.comtag:blogger.com,1999:blog-20642800.post-36101463749671519422009-04-08T11:08:00.000-04:002009-04-08T11:08:00.000-04:00What a serious pain in the neck! I'm so sorry you...What a serious pain in the neck! I'm so sorry you are having to deal with this now of all times. I got this run-around twice, and finally gave up entirely. That's why I ended up having a pseudo-hospital birth with my 3rd and why I payed $2500 out of pocket for my 4th. I sincerely hope you don't have to do either of those two things. Anyway, I can't imagine you having a baby in the hospital when everything's fine in the first place.<BR/><BR/>Good luck with all this, Rixa. You are persistent and insistent enough to get this done.Kelleyhttps://www.blogger.com/profile/16703334707738126703noreply@blogger.comtag:blogger.com,1999:blog-20642800.post-34283173703296831742009-04-08T09:45:00.000-04:002009-04-08T09:45:00.000-04:00I petitioned my insurance company to cover my CNM'...I petitioned my insurance company to cover my CNM's services. Not only did they decline, they sent me a letter saying that if I went ahead with the birth at home and needed to transfer, they wouldn't cover any hospital costs "resulting from home birth."<BR/><BR/>I talked to a lawyer about it and decided to proceed as planned. It made things much more stressful, though.CJhttp://mostgladly.typepad.comnoreply@blogger.comtag:blogger.com,1999:blog-20642800.post-33570541132334004742009-04-08T09:27:00.000-04:002009-04-08T09:27:00.000-04:00The best thing to do is go through the policy/cont...The best thing to do is go through the policy/contract/certificate of coverage and read it for yourself.<BR/><BR/>Our insurance company reps (HMO) are also remarkably ignorant about midwives. More than once, they told us "the midwife bills through the physician, and gets paid through the physician." Uh, no, she's a CPM, and THERE IS NO PHYSICIAN. <BR/><BR/>We're waiting to see how the billing goes through, and whether they're going to reimburse us nothing, or just almost nothing. It is remarkably satisfying, though, to just pay for my health care myself up front, and know ahead of time what it will cost me.Peggyhttp://crazybutable.com/zateraul/noreply@blogger.comtag:blogger.com,1999:blog-20642800.post-82353814270105162012009-04-08T08:02:00.000-04:002009-04-08T08:02:00.000-04:00A friend of mine had something similar -- her insu...A friend of mine had something similar -- her insurance company said that they would reimburse them for their midwife charges; and then after the birth, they found loopholes that allowed them to get out of paying. Another friend of mine had constant difficulties getting her husband's treatment approved through her insurance -- one person would say it was approved, the next person would say it wasn't; a pencil-pusher would put in a wrong code, causing a rejection, etc. Ugh.<BR/><BR/>-KathyAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-20642800.post-1516857706596964222009-04-08T06:15:00.000-04:002009-04-08T06:15:00.000-04:00Sounds like it is time to file some complaints aga...Sounds like it is time to file some complaints against the insurance company. I would suggest complaints filed with the state Consumer Affairs Fraud and Protection agency, Better Business Bureau, and any agency you can think of that will cause them to have to fill out paperwork in response to a a complaint. Keep detailed lists of everyone you spoke to. My insurance refused to pay for my c-section hospital stay for my first birth because the baby was not pre-approved for surgery and did not have a social security number before she was born. They will do anything to delay payments of any kind in the hopes that you will give up!Deshttps://www.blogger.com/profile/04418261478001618443noreply@blogger.comtag:blogger.com,1999:blog-20642800.post-35025953258098971422009-04-08T00:53:00.000-04:002009-04-08T00:53:00.000-04:00There are ways around it, if your midwife can do s...There are ways around it, if your midwife can do some creative billing. I'm not saying you should defraud, or anything. I'm just saying that I might have known someone whose insurance company has an entire webpage devoted to explaining why homebirth is dangerous and will not be covered under any circumstances. And faced with that, my friend billed her prenatals through a clinic, and billed the birth as pediatric services to the newborn child. And it all went through seamlessly.<BR/><BR/>It is ridiculous that they'd cover an elective cesarean without a thought, but balk at the much lower fees of a midwife. And it's impossible to find someone who can think rationally to talk to there.<BR/><BR/>Good luck and keep us posted.Laureenhttps://www.blogger.com/profile/12481258874805195562noreply@blogger.comtag:blogger.com,1999:blog-20642800.post-58022738946741921522009-04-07T23:57:00.000-04:002009-04-07T23:57:00.000-04:00excellent postfor more information about insurance...excellent post<BR/><BR/>for more information about insurance you must visit<BR/><BR/>www.insurance-details4u.blogspot.comravihttps://www.blogger.com/profile/17882201330109984947noreply@blogger.comtag:blogger.com,1999:blog-20642800.post-21326092233017766432009-04-07T23:33:00.000-04:002009-04-07T23:33:00.000-04:00ohh the joys of a universal health care system. w...ohh the joys of a universal health care system. what a bummer so close to birthing to have these issues. Hope it resolves soon and you can just focus on the job at hand!Kellyhttps://www.blogger.com/profile/05004659288503834211noreply@blogger.comtag:blogger.com,1999:blog-20642800.post-85679745256906387792009-04-07T23:09:00.000-04:002009-04-07T23:09:00.000-04:00Ugh. Hope this get's resolved the right way!Ugh. Hope this get's resolved the right way!mariahttps://www.blogger.com/profile/16698247519889686663noreply@blogger.comtag:blogger.com,1999:blog-20642800.post-39046427466730843052009-04-07T22:04:00.000-04:002009-04-07T22:04:00.000-04:00Argh. Can't live with'em, can't live without'em. ...Argh. Can't live with'em, can't live without'em. I hope that you get this resolved in your favor! And soon. Sending peace filled vibes for the remainder of your pregnancy. <BR/><BR/>VickiAnonymousnoreply@blogger.com