I hate the state of insurance in this country and I'm also feeling really stupid right now.
I just received a bill for $1500 from the hospital. That was after my insurance paid like 3K. I was only at the friggin hospital for 10 hours! WTF. So i'm an idiot because I didn't check with my insurance to learn there is a 1500 copay for any hospital stay. I thought since maternity was covered that I would be covered. So now I owe 1500 fing dollars to the f-ing hospital.
The part that really sucks is that I could have applied for state insurance and would almost certainly have qualified but I thought it was wrong to take advantage of state benefits that I didn't really need since I do have private insurance. If I had cancelled my insurance, I could have had the state foot the whole bill - no question but instead I owe $1500 that I don't have - all becuase I gave into fear and went to the hospital instead of having a homebirth, which I could have done with my same midwife.
I was in tears when I checked my policy and saw what a huge mistake I made. I even cried on the phone to the billing person at the hospital (I have never gotten emotional like that with a stranger EVER). They are sending me an application for assistance and if that doesn't go through, I may try to appeal to the state insurance program for retroactive coverage but this just sucks so bad. I've been paying a higher monthly premium so that I would have maternity coverage for the past three years. I should have just gotten a cheaper (non-maternity) plan and then gone on state insurance when I got pregnant. I'm an idiot and healthcare in this country SUCKS!
End of rant.