Littledevil
02-11-2009, 03:34 PM
Ok, I need to vent a little. I recently found out that I was pregnant again. This part though a surprise is great:D, except for the morning sickness:(. This was an oops on my hubby part. I kept telling him we need to be careful and he should be wearing a condom so we don't have an oops. He of course told me not wearing one they don't feel right. I say oops because we have private health insurance and it doesn't come with maternity benefits. That is an extra cost. We were planning on trying to conceive this summer so we hadn't added the maternity rider yet.
I was told by our insurance company that the rider could be added on at anytime and if we had an oops, just don't go to the Dr. for 30 days and benefits would be covered. So I called them up and added the rider. I am then told the rider can't be added on until March 1st since that is when our benefits would start. I still had to wait an additional 30 days after that before I could conceive or no benefits would be paid. So that means, we have to pay everything ourselves. On the low end it will cost around $8,500 just to have the baby between Dr. and hospital care.
Hubby doesn't believe me and says there is insurance we can get even though we already conceived. I tell him no there isn't, it's considered pre-existing. So I then get sent on a wild goose chase looking, to prove my point. (This was a mistake) I should have not even wasted my time. Anyway, I found a company in Pennsylvania Health Care Advocates. I apparently spoke to the President and he told me he could help me and get my insurance company to cover the benefits. All he needed from me was a check for $100 and to fill out a couple forms (Contact info for me and for my insurance). Me being skeptical and hubby wanting to try it. I asked this man, what is the catch? He said we do this all the time and not to worry and there is no catch. He also said before we could even get started we had to send him what he needed. We sent it to him. Mistake # 2 for me. I emailed this guy and asked him a couple questions, basically does he have any guarantee, in good standing with better business bureau, references, how will he proceed. I think these are legit and resonable questions. He emailed back some various info that could be obtained from his website, (you can say anything on a website, doesn't mean it is true or accurate) and said he needs the forms to get started. This all conspired last Mon Night, mailed stuff Tues.
I wait until the following Mon. to contact the company again. I emailed him, asking if he had received the forms and what our next step was. I also explained our situation in detail as far as the insurance goes and the issue of coverage, since the forms I had filled out didn't asked for any of that information. I would think you would need to know why your contacting an Insurance company on someone's behalf, don't you? I get a reply the next day, stating, your case is being set up. I wait until the afternoon and then call to talk to him or someone in his office about my case and what the next step is. You know, how are they going to proceed. I am then told by the man that just last week said I can help you just fill out these forms and send us $100. You are crazy and it is evident you won't be satisfied. We are returning your money. Then transferred me back to reception, basically hanging up on me.
I shouldn't have bothered and this was a waste of time. I wonder if I will actually get my money back! I tell this man the situation, he says he can help for $100, then a week later says I am crazy. I think he is a scammer. The only thing I think is Crazy is the time I wasted on this.
I was told by our insurance company that the rider could be added on at anytime and if we had an oops, just don't go to the Dr. for 30 days and benefits would be covered. So I called them up and added the rider. I am then told the rider can't be added on until March 1st since that is when our benefits would start. I still had to wait an additional 30 days after that before I could conceive or no benefits would be paid. So that means, we have to pay everything ourselves. On the low end it will cost around $8,500 just to have the baby between Dr. and hospital care.
Hubby doesn't believe me and says there is insurance we can get even though we already conceived. I tell him no there isn't, it's considered pre-existing. So I then get sent on a wild goose chase looking, to prove my point. (This was a mistake) I should have not even wasted my time. Anyway, I found a company in Pennsylvania Health Care Advocates. I apparently spoke to the President and he told me he could help me and get my insurance company to cover the benefits. All he needed from me was a check for $100 and to fill out a couple forms (Contact info for me and for my insurance). Me being skeptical and hubby wanting to try it. I asked this man, what is the catch? He said we do this all the time and not to worry and there is no catch. He also said before we could even get started we had to send him what he needed. We sent it to him. Mistake # 2 for me. I emailed this guy and asked him a couple questions, basically does he have any guarantee, in good standing with better business bureau, references, how will he proceed. I think these are legit and resonable questions. He emailed back some various info that could be obtained from his website, (you can say anything on a website, doesn't mean it is true or accurate) and said he needs the forms to get started. This all conspired last Mon Night, mailed stuff Tues.
I wait until the following Mon. to contact the company again. I emailed him, asking if he had received the forms and what our next step was. I also explained our situation in detail as far as the insurance goes and the issue of coverage, since the forms I had filled out didn't asked for any of that information. I would think you would need to know why your contacting an Insurance company on someone's behalf, don't you? I get a reply the next day, stating, your case is being set up. I wait until the afternoon and then call to talk to him or someone in his office about my case and what the next step is. You know, how are they going to proceed. I am then told by the man that just last week said I can help you just fill out these forms and send us $100. You are crazy and it is evident you won't be satisfied. We are returning your money. Then transferred me back to reception, basically hanging up on me.
I shouldn't have bothered and this was a waste of time. I wonder if I will actually get my money back! I tell this man the situation, he says he can help for $100, then a week later says I am crazy. I think he is a scammer. The only thing I think is Crazy is the time I wasted on this.