Fightin the good fight... with insurance

Let me just start by saying that Lori the midwife came over, and she was wonderful. Totally open to anything, not pushy, but she has her own opinions. So yes, wonderful. She sat there while i had a Vomit Crisis with one of the boys that i watch, ad didn't seen to be bothered by it at all. Although i felt pretty bad that her first 30 minutes here was me getting him cleaned up and calling his parents and getting him on his way home.

So she answered every question i could come up with and listened to my concerns and the why i hate hospitals rants and added her own stories, and i just felt quite comfortable around her, and she talked to my children(you know that is a plus, that is all anybody wants right? to have their children appreciated the way that they do) and leaned their names.

We also addressed the insurance issue!!!! She didn't seem put off by BCBSfep (federal employee program) and outlined what i need to say to them and how to get them to work with a home birth. I felt quite confident that i was going to be able to persuade them to cover her.

What i needed to do:

File for and exception
Tell them my midwife is licenced
tell them i need a home birth and my area is under served
talk to a manager if i have to

What i did:

All of the above, politely

What i was told:

I call you back tomorrow

********************************* Fast forward  ***************************

The next day comes around, it is almost closing time, and no call back (not that i expected one)

So i called them back, Asked for Pat (if that is even her real name) gave them her extension

She gets on the phone and explains:

She talked to her manager
Her manager said a home birth is a personal decision
There are plenty of doctors that can deliver a healthy baby in my area
and they are preferred providers

What i say:

There are no midwifes in my area that will attend a home birth that is a preferred provider
And it is not just my opinion it is was i need
And her managers opinion is not what i care about

So we went back and forth for a while, even though i knew wasn't going to get anywhere, i just wanted to make sure her day had a sucky end... I am not new to insurance idiots, i had tricare for almost a decade!!

So tomorrow i will call back and talk to someone different, and get their opinion... eventually i will find the one person that shares my opinion and let me "file an exception"

I know this will work because the google says it will

All Hail the google

The google knows aaaaalllllll