Maternity Insurance Update

Written by Elena @The Art of Making a Baby on. Posted in Pre-CONCEPTION

Continuation of my maternity insurance debacle

Well, what do you know? Health insurance people called.
The moron agent, who was incredibly unfamiliar with coverages, also forgot to mention that I needed to enclose a check for the first month with the application. It might normally make sense, but since I was switching from one Blue Cross policy to another, while being on Automatic Withdrawals for my monthly premiums, I didn’t think they really needed it and he neglected to bring it up.

So two weeks after I submitted an app, thinking everything is easy-peasy, I get it back in the mail with a sticky note saying that I need to enclose a check. I call the agent, he aplogetically informs me that sicne it’s been two weeks (duh! who’s fault was it?), we need to complete re-do the whole application, as in take all the info over the phone again, mail the app again, have it signed by me and mailed back AGAIN!
I mean seriously?

So if his estimation of underwriting times is correct, we won’t be insured on the maternity side until February 1st. There has to be 30 days of active coverage before conception, which means we can’t start trying for a baby until March 1st except that my ovulation is more towards the end of the month and even if we conceive that first month, my due date will be in Decemeber.
And That’s really shitty!

Thank you Mr Health Insurance Man! You just pushed our baby plans 3-4 more months.

And I was getting all excited…. Boo!

{ On another note, I just got ambushed by “hubby attack huggies” (p.s. nothing to do with diapers) }

And while you’re here, please click this button – K, thnx!

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Comments (1)

  • Elena

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    This is a test!

    Reply

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