So I am growing to truly hate, hate, hate my insurance company (with a red hot passion sort of hate).
I have dreamed of having a home birth for years, and I chose this insurance plan in part because it claimed to cover home birth. But when I first got pregnant I didn't immediately look into home birth because I wanted to make sure that I was healthy and a good candidate. I went to an OB for several prenatal appointments, got a sequential screening done, and was told that even though I am 40, I have the chromosomal risks of a 16 year old. Yay. Then I interviewed midwives and they all said my age was not a problem. We chose a midwife, and in the mean time I placed a couple of calls to my insurance company to verify that they covered home birth. They did.
But then it turned out that none of their preferred providers in my area attend home births. Well, no problem, the insurance rep. said that I would just have to have my midwife call for prior authorization. She did, and they denied the authorization because they said that midwives in this state cannot be contracted with the health plan because they don't carry malpractice insurance.
I appealed, and they denied my appeal. I asked for a level two appeal, which we have next week. We (my husband and I) will meet them in person, and I've already submitted a bunch of documentation about why midwives don't carry malpractice insurance (they can't as the premiums exceed their annual income), why home birth is safe, and why this option saves them a lot of money and they should just write the check and shut up. (of course, I was more diplomatic than that, but you get the idea).
Then today I got the appeals packet from them -- all the info that has been reviewed so far in the process, and I see that among other things they are trying to say that they denied my claim because my age puts me at "relatively high risk." They never mentioned this before, or I would have addressed it in one of my appeal letters, and given the fact that I am in good health and have never been told that I am at high risk, this just makes me want to scream.
Why are insurance companies so evil?
Thanks -- I just needed to vent.
If anyone has any advice on dealing with evil insurance companies, please let me know.
"She has spread of late into a goodly bulk." Shakespeare, The Winter's Tale 2.1.20-21