Tuesday, July 30, 2013

Health Insurance redux

more on the saga of health insurance for our daughter, son-in-law, and grandson on the way...

One month before Christian lost his job, his employer switched health insurance providers.  That is always a pain as you have to find out whether your providers are still covered and if not, find new ones... but that was more complicated for them.  Neither insurance covered the birth center and midwives they were using for the pregnancy and birth.  They had negotiated coverage with the first insurance company - Anthem Blue Cross.  After all, midwives and birth centers are way cheaper than doctors and hospitals.  It made fiscal sense for them but it was a hassle for Christian and Alexis.  They were in process of trying to negotiate the coverage with the second provider when Christian was fired. 

Fast forward a few weeks...  Every time you do a web search on COBRA, an ad pops up for Anthem Blue Cross as a COBRA alternative.  So Christian contacted them... and they told him they would not insure his family as pregnancy is a pre-existing condition.  It didn't matter that they had been insured all along and until a month ago, their insurance was with Anthem Blue Cross... they are not eligible for insurance from them.  Luckily, they do still have the option of COBRA.  As I understand it, that continues with the provider they had when Christian lost his job so they begin negotiations again.

As I said in my previous post, the Affordable Care Act cannot kick in soon enough.

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