My husband's company has decided to drop our plan. I'm pissed for numerous reasons, as I'm sure any woman would be mid-pregnancy.
But the worst thing is, our new peri (let's call her Peri B), whom I really like, won't be covered by our new plan. The only other good MFM group (Peri C) in the valley will be...but they of course don't take our current plan.
I'm supposed to have 2 more growth scans between now and when the plan changes (Jan 1). Keeping the same doctor is important, here. Because measurements differ and software differs and machines differ and all this nonsense.
As I've mentioned, my regular OB told me on Friday's appt that Atticus's raw numbers, when calculated by the same system I'd originally been using with the horrid MFMs (Peri A), only put him in the 8th percentile, so she was still kind of worried. i just blew it off at the time, because whatever, he still grew, and I didn't trust the old measurements (done by Peri A) they were comparing his growth rate to. I figured I'd get my actual answers at my next u/s, and since I'm still feeling him move and picking up 2 distinct HRs on my Doppler, it really wasn't worth stressing about.
But now I just don't know what to do.
Our new plan has a 70% coverage for maternity out of network. Of course, we didn't get this news till today, so we can't call to be sure until after the holiday (the Peri B's office closes as does the insurance company's helpline), but I'm assuming these ultrasounds count as maternity but with the specialist co-pay instead of the regular. So I could stick with Peri B, have the next 2 appointments covered, and then pay 70% for however many more scans until I deliver.
Either way, I want to stick with the same doctors as much as possible. The other option would be switching now, to Peri C, and paying OOP for the next 2 scans, but then having them 90% covered from January on. (We have no out-of-network coverage on our current plan.) But I think it might be more important to get answers about his growth now, rather than wait?
Ugh.
What do you ladies think I should do?
(I'm already planning on getting my NSTs at the evil MFM/Peri A group, as my OB said last time she wants them done in the hospital where I'll deliver, and my doctorsister says NSTs are really hard to fuck up and are usually done by nurses, so as long as they're not doing the BPP, she thinks doing them in that hospital is fine.)
5 comments:
As if you need this added stress... Give it to God and know others are praying for the best for you, daddy and babies... Bless you!
Oh gosh - what a nightmare! I would definitely stick with your current Dr to get those growth scans consistent now. As for NSTs, the are right - they are pretty easy and they don't look at measurements other than what they see on the monitor. We went to a Peri for our NSTs, but saw our OB for the rest of the pregnancy (she consulted with the peri, so they were a team, but I felt more comfortable with her than the peri). The NSTs were done by the peri nurses and they checked heart rate, looked for spikes in both babies at the right times, checked for movement etc... and those they can do anywhere so that's not nearly as important as checking for growth.
I agree with Kim. Stay with the same Peri. 70% vs 90%? Worth it.
That just sucks! I also agree that sticking with your same Peri is the best bet. You can call the HR office and the insurance company, too. Sometimes even though the insurance has been changed you can be grandfathered in for 3 months under the old insurance rates.
Love, Love, LOVE these effing insurance companies. Or employers that decide to switch while you are in the middle of something. I agree with everyone else-it sounds like that 30% you'll be responsible for is worth the piece of mind.
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