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Discussion Starter #1
hi all...<br><br>
i had this great insurance, Healthsmart was the network of providers, Employers Direct Health was the insurance company ...<br><br>
my midwife was in their network and i was having my baby for $20 at the birthing center. insurance, as of 1/1/08 is still EDH, but the <i>network of providers</i> changed to <b>PHCS</b>. my midwife <span style="text-decoration:underline;">is</span> listed in their directory of preferred providers. would it be safe (on a friday night & thus i am unable to verify 'til monday) to assume that i'll have similar coverage? meaning, the shift in payment shouldn't be something as drastic as going from $20 to, say $2000? (i understand copays can change, etc.)<br><br>
i got weirded out b/c my chiro is in-network w/PHCS, so i had them verify insurance. she was NOT listed w/healthsmart and i had no coverage for chiro w/healthsmart. my coverage w/PHCS is a $2000 deductible, then they'll pay chiro visits at the specialist copay of $30. SO, that got me all freaked b/c, "was that just for chiro care? or is that EVERYTHING? am i now going to have to pay $2000 for the baby?"<br><br>
i just can't imagine such a drastic shift in coverage like that, especially when my employee contribution to cover ins premium hardly budged (up just under $1/check) and HR noted that there should be no DRASTIC differences noticed in coverage, though some providers might not have carried over.<br><br>
sorry (again) for the ramble. just wondered if anyone was in a HR or insurance role & might have "insider info" that could cool my jets 'til monday when i can call ... <img alt="" class="inlineimg" src="/img/vbsmilies/smilies/hopmad.gif" style="border:0px solid;" title="hopping mad">
 

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No expert advice here, but how icky that you have this added stress (especially over a weekend.) Fingers crossed that there is not much change.
 

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Discussion Starter #3
thanks.<br><br>
as my husband put it, "what will it change? nothing. if this is the birth you want, we'll put it on a credit card, we'll pull the money from the IRA, etc. it isn't ideal, but it isn't a dealbreaker."<br><br>
maybe i'm bringing it all on myself. i'm very good at doing that.<img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/redface.gif" style="border:0px solid;" title="Embarrassment">
 
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