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General Parenting
So Sick of "The System"....Discussion
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<blockquote data-quote="AnnieO" data-source="post: 447127" data-attributes="member: 6705"><p>I've had similar stuff happen!</p><p></p><p>Like... I had BCBS, but their maternity rider was around $180 a <em>month</em> on top of what I was already paying through the nose for, and then they upped my premium, did not tell me, and cancelled my coverage for being about $18 in arrears (no joking). I went online, found UHC, applied. Was turned down due to pre-existing condition: infertility.</p><p></p><p>BUT WAIT. I wasn't infertile, the whole thing was husband. The lady I talked to explained that since I took the Clomid, I was considered infertile and no one would touch me for at least 2 years. I asked if the doctor could justify and she said it would not be accepted.</p><p></p><p>Well. PFFT.</p><p></p><p>Then this year my company got a new insurer, and the rates we pay dropped significantly - enough for me to consider it (it's pre tax; the BCBS was an individual plan). It turned out to be a little more expensive than BCBS, but due to pre-tax withholding, much less expensive after all. Co-pay is lower. Maternity <em><strong>AND IVF SERVICES </strong></em>are covered. And, because it's a group plan, they can take their BS pre-existing infertility koi and jam it.</p><p></p><p>The insurance Onyxx is on through BM? is BCBS. They won't cover snot. In fact, about 95% of the time we get "she's not covered", it gets sent through again, suddenly she IS covered.</p><p></p><p>So here it is:</p><p>Short term: cheaper not to help the kids, let the parents handle it. (System: $0)</p><p>Mid term: parents aren't trained, kids turn into delinquents, parents get blamed. (System: $0, Parents: $50+ in court costs every time)</p><p>Long term: kids end up criminals, write books about their horrible parents. (System: $0, Taxpayers: $30,000/year, Parents: Unimaginable anguish)</p></blockquote><p></p>
[QUOTE="AnnieO, post: 447127, member: 6705"] I've had similar stuff happen! Like... I had BCBS, but their maternity rider was around $180 a [I]month[/I] on top of what I was already paying through the nose for, and then they upped my premium, did not tell me, and cancelled my coverage for being about $18 in arrears (no joking). I went online, found UHC, applied. Was turned down due to pre-existing condition: infertility. BUT WAIT. I wasn't infertile, the whole thing was husband. The lady I talked to explained that since I took the Clomid, I was considered infertile and no one would touch me for at least 2 years. I asked if the doctor could justify and she said it would not be accepted. Well. PFFT. Then this year my company got a new insurer, and the rates we pay dropped significantly - enough for me to consider it (it's pre tax; the BCBS was an individual plan). It turned out to be a little more expensive than BCBS, but due to pre-tax withholding, much less expensive after all. Co-pay is lower. Maternity [I][B]AND IVF SERVICES [/B][/I]are covered. And, because it's a group plan, they can take their BS pre-existing infertility koi and jam it. The insurance Onyxx is on through BM? is BCBS. They won't cover snot. In fact, about 95% of the time we get "she's not covered", it gets sent through again, suddenly she IS covered. So here it is: Short term: cheaper not to help the kids, let the parents handle it. (System: $0) Mid term: parents aren't trained, kids turn into delinquents, parents get blamed. (System: $0, Parents: $50+ in court costs every time) Long term: kids end up criminals, write books about their horrible parents. (System: $0, Taxpayers: $30,000/year, Parents: Unimaginable anguish) [/QUOTE]
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