1.14.2010

The Insurance Debacle

Yesterday my whole world got spun upside down! I was just sitting here..minding my own business ..working on my first paper of my last class (YAY!) and my phone rang and it was my doctor's office. I immediately was confused...I was not expecting a phone call from them so imagine my surprise when I pick up my phone and have a financial coordinator (Let's call her Mrs. WRONG!) from Dr. Godfather's office tell me that she ran our new insurance and we no longer have any IUI coverage.

S H O C K E D.........S T U N N E D!

I held everything together until we got off the phone....she said our insurance company is no longer covering it and that if we wanted to continue with our IUI NEXT WEEK (yep..NEXT WEEK) it would be over $3000 cash! Mrs. Wrong suggested I call the insurance company and ask about my benefits and then send her proof we have coverage....if my whole world didn't just collapse ..I might have asked smarter questions. I fell apart....hyperventilating....felt like I couldn't breathe. I felt like our whole journey was just slammed closed in front of my eyes. I called my husband sobbing......

A little back story...Hubby's company made us switch plans in Nov for this new year. We upgraded on plans to keep our benefits the same and even called the insurance company to make sure everything would stay the same....they said as far as they could see nothing changed....we still had our IUI coverage...so we went with the more expensive plan and moved on...ok back to my story.....

My husband loves me ....he really does...He was so mad I was crying....He took time out from work to call our insurance company and found out that we do HAVE COVERAGE! The guy from the insurance company told my husband that all the doctors office needed to do was call them to get it verified. You see if my husband was a little mad before...HE WAS REALLY MAD NOW! He called me back and wanted Mrs. Wrong's number to talk to her! My husband is what some might call a gentle but sleeping giant.....and the bitch just woke the giant.....

So he called the office and got someone on the line...He explained that he needed to talk to Mrs. Wrong immediately and was told she was on the phone and would get RIGHT back to him. That was at lunchtime YESTERDAY.....

....all day...no call

...so he calls again this morning.....leaves another message ...and again no call....

finally by three o clock when it was 27 HOURS since our first phone call (which is 27 HOURS of gray hair growing)..I called Nurse Christmas! I left her a message explaining the situation and that we needed someone to call us back!

Very quickly after my phone rings and it's Mrs. Wrong. There was not ONE apology for not getting back to us sooner. She said " Nurse Christmas called me and told me you were waiting for a call and that you were upset...so you have IUI coverage? Did you get proof for me?" I explained to her that my HUSBAND was waiting for her to call him back twice and that I had insurance coverage...NOTHING EVER CHANGED....I told her SHE needed to call them and get it straightened out. And then I said " So let me ask you a question, yesterday when you called me and turned my whole world upside down...did you even bother to call the insurance company first to check on the benefits?" Her response "No, I just looked on the computer". I was so mad...She wasn't even sorry!!!!

So she calls me back like 10 minutes later..."I just want you to know you have full coverage". And I snapped....I really don't ENJOY yelling at people (What?! I REALLY don't) but some people just need to be put in their place. Only after did I stress my UNHAPPINESS with her did she start apologizing....and it was a half ass-ed apology "I'm sorry if you misunderstood me".......I reamed her a new one for not calling my husband back and for me having to bother Nurse Christmas to hear back from her.

Nurse Christmas called shortly after to ask if she had called us and gave us the name of her supervisor.....I truly ADORE Nurse Christmas...She and Dr. Godfather are what is keeping me at this place....because it certainly isn't anyone else....

So plan and simple...SHE DIDN'T do HER job and pushed it off on me!!! The part that really pissed me off was that HER WHOLE job is insurance ...she's the financial coordinator! See everyone here has a job....It's my job to get poked and prodded and get pregnant....It's Dr. Godfather's job to figure out how to get me pregnant....It's Nurse Christmas's job to tell me I'm not pregnant and it's Mrs. Wrong job to verify insurance...WAY TO SUCK AT LIFE LADY!

I should bill them for my new dye job (to cover the unnecessary, unneeded and UNWARRANTED grays)....

9 comments:

Dana said...

So glad I am not the only one dealing with RE incompetency!

Kim said...

What a hot mess- so frustrating. I would have died!!! I just started seeing an RE and had them call to verify my benefits (I know my insurance doesn't cover IUI or IVF but I wanted to find out if blood labs, ultra sounds or meds were covered) I waited two days for her to call me back and so we don't have Infertility coverage. REALLY DIPSHIT?@# Wow!!! So glad I waited 2 days for that.

Glad you got it all worked out. DH is a keeper ;)

Ashley said...

Wow! That is so ridiculous!! I'm glad everything worked out although that doesn't help the fact that she wasn't doing her job right!

jenicini said...

Umm, I'm surprised you didn't fly through the phone and drop kick her. Do your job people! And umm, $3000 for an IUI? Wow.

Busted Kate said...

OMG that would make me SO MAD!!!! I'm so glad it got straightened out, but you definitely didn't need that added stress. I'm so impressed with your husband, way to go him for jumping in! Mine would have left me to do all the footwork. And YAY that your insurance even covers IUI, that is amazing, I'm so jealous. Good luck next week, fingers crossed!!

Holly said...

Oh wow! I don't blame you at all for being so pissed! DH and I dealt with ridiculously awful and frustrating insurance issues recently too, same reason. Someone's whose ONLY JOB is dealing with insurance f-ed it up and we were the ones to suffer. Glad it got fixed though!

A said...

Wow, that is awful!! I am so glad that you DO have coverage, but what a pain that the person supposedly in charge of that end of the business didn't do her job!!

Pregnant Yuppy said...

That's horrible! I would have freaked out on her too. I hope that she gets reprimanded.

Miracle in the Making said...

O.M.G... I would have LOST it too! I am so glad you put her in her place! Maybe she'll be more careful next time. GOOD LUCK with everything!! xoxo