We learned a hard lesson the last few weeks and it's one that outraged me enough that I thought if I could save one other person from it, then maybe something good could come from it. So, I'm taking to my only public forum to let the word out.
Like many other women, I had a hard time getting pregnant and again like many other women, I was prescribed the common fertility drug Clomid. We were so fortunate to get pregnant while on this drug and I am eternally grateful for it. However, because of this drug I have been denied coverage for any type of individual insurance. Clomid...really? You'd think I had had multiple terminal illnesses or a chronic condition that was life threatening. I am healthy, never go to the doctor, never had a surgery and I can't get insurance because of Clomid? We spoke to numerous reps at multiple insurance agencies and nothing. Mention the word Clomid and immediately it's over. This would have been extremely helpful to know when I was prescribed Clomid so we could have planned better. My husband being self-employed means that to continue to receive coverage, one of us will always have to have a "corporate job" so my insurance coverage will not lapse.
So I'm passing on my lesson learned. If you or your spouse plan on being self-employed or for some reason or another your current insurance lapses, please note that Clomid is apparently the eyesore of the insurance industry. I have become and insurance genius the last few weeks so if you end up being in this predicament, I'm sure I could throw on a headset and answer all your questions!
Summer '25
6 months ago
8 comments:
Suz...I love your blogs. You're funny. I am so sorry that the insurance thing is so weird. That is really very odd! And the most frustrating thing is that you have no track record of injury or illness that would deny you otherwise. So annoying! Have you found a route to take as far as insurance goes? If it makes you feel better, i too am dealing with a predicament myself. My American Express card got cancelled due to a credit report that Experian sent to them saying that I was a "high serious delinquent (sp?)" I obtained my own credit report and there is nothing abnormal at all...so I've been fighting with American Express for the past week trying to get them to reinstate my card. I pay in full and on time every month...give me a break! Ok...the real reason I was writing is to tell you that I changed the site address to my blog to make devin feel included: www.jennieanddevin.blogspot.com
I really hate that you are in this situation... I hope you can find one company that will take you. I love the crib and the bedding! So cute!! On your list of items for the baby, these have been things I've used a lot: swaddle blankets, birp clothes, wipe warmer, breast pump, Lansinoh cream, swing or vibrating infant chair, onsies or gowns that have material covering the hands (Reese would totally wolverine her face when we exposed her bare hands)...She is now 5 weeks and it is getting easier every day! I can't believe you are so close!
Ohh, one more thing. I didn't bring any clothes to the hospital besides the clothes I went home in, so I was in that beautiful hospital gown for 2 days, which is no big deal, but it would have been nice to have a soft robe to cover it or button-down pjs so that when visitors came I didn't have to constantly hold the back of the gown to keep from exposing my bare back & awesome mesh panties :)
That is so frustrating. I can't believe they could use that as an excuse to not ensure you. I'm so lame when it comes to knowing much about insurance. I'll call you with any questions though.:) Hopefully I can see you sometime soon. Are you still due to have your baby at 36 weeks?
I found you here too! Finally! haha I still can't believe that about your insurance. An insurance company just denied me too. I haven't taken clomid but I have these stomach pains since I was little and because it is undiagnosed they won't cover me. Lameo! Insurance sucks!
I'll send you to an invite to my blog!
HEY!! It's Candice Liechty!! I am So excited I found your blog!! I think about you all the time! That is awesome you are expecting! Come to my blog and leave your e-mail I would to stay in touch!! candicehansen.blogspot.com
oh my gosh how annoying, i'm annoyed for you!! So i'm hoping that it gets figured out for you quick before your little one gets here. We have pretty good health insurance through my husbands work and i still feel like this little girl is costing us alot i can't imagine without any insurance, i'm so sorry! Dumb question but if you tried another company and just left out the clomid thing would they know...do they really research your medical files and stuff? I know that would be the dishonest thing to do but if it meant getting coverage then i would "forget" that clomid was a big deal to tell them you could always play dumb! Good luck hon! :)
Good to know.
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