Monday, March 15, 2010

No Insurance? Really?

I just got a bit of a sucker-punch in the face... my insurance isn't going to cover the cycle we just completed. Seriously.

We verified coverage - 70% COVERED!
Our Dr. office verified coverage - 70% COVERED!.

We were not told about our "lifetime benefit" having been used with this insurance plan until we tried to order meds a few weeks ago. I thought maybe that was just for meds, but it turns out that the "lifetime benefit" isn't insurance plan-based, it is company-based, and it extends across pharmacy AND medicall care.

So, when we verified the coverage why weren't we told about the $10,000 max? The current insurance carrier didn't have the amount "loaded" into their system, so they were showing we'd spent $0 of our lifetime benefit.

So, it looks like we are going to be paying out-of-pocket for the WHOLE cycle! Seriously.

Can you say $21,000 insurance mistake?

I'm really, really, really, really not happy.

6 comments:

MrsSpock said...

Holy SHIT! I would be pooping my pants...

ME Gregory said...

Exactly what MrsSpock says - yikes, double yikes and lots of bad words.

Heather said...

OMG! I HATE HATE HATE insurance companies!!! Just for reasons like this.

They didn't have their shit straight and now you have to pay for it.

I HATE THEM!

Stacie said...

That totally sucks! They shouldn't be able to reverse this. If they say it's covered, then in should be freaking covered!

Is there anything you can do? Anyone you can yell at?

Ugh. I am sick over this for you!

Shazz said...

OMG isn't the word for it!

Heather in TN said...

Holy shit was exactly what I just said, too. This is insane. Should be illegal. I just don't even know what to say.