enits

Here's the gist of my phone conversation with the CSR:

Me: I'm calling to check if karyotyping for me and my husband is covered under our health plan. I had two miscarriages this year.

CSR: Is this for infertility?

Me: No, I was pregnant twice. I miscarried twice. This falls under recurrent pregnancy loss.

CSR: May I put you on hold so I can research this?


I tried to keep my cool when she asked about infertility. 5 minutes later, she gave me the answer that I needed. Thank goodness.

But this reminded me of another event earlier this year. And the memory of it really aggravated me. It happened a few hours after we lost our baby. DH and I were in my hospital room as I was recovering from labor/delivery and a D & C. My OB told him to call our insurance to let them know that I had a 2nd trimester miscarriage and to ask if genetic testing of the baby would be covered. The CSR who picked up the call kept yippin' and yappin' about INFERTILITY and how it's not covered by our health plan. My poor husband. He didn't want to put up with the incompetent nincompoop so he hung up on him, called the 800 number again, and talked with a reliable CRS instead.

Why oh why do they do this? I was so irritated today when I made that phone call but I calmed myself down thinking that the CSR just didn't know. I just wish they would get more training when it comes to dealing with health issues.

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enits

Noelle - my little baby, was only with us for 17 weeks and 5 days, February 7, 2005
2nd loss - my little angel, could only stay with us for a little while, 8 weeks, August 3, 2005
Hoping to remain positive, always...

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isabellekitty

Ugh, so annoying! About 1/2 the time I usually get a good person, but the bad ones really make me mad!

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nicole47

Instead of hanging up, you can also ask to talk with a manager.

MountainMama73

The thing is that insurance companies are in the business of denying claims, not paying them. They don't make any money when they have to pay out! That means, at least in my experience, that the first-line CSRs are automatically going to turn stuff down because they have been told to do so. I think that these companies count on people not fighting for their coverage, and those who do usually get satisfactory results, after an annoying, time-consuming fight. You're not alone!!!

Good luck in your fight.

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Me: 34, DH:37 | Dx July 2002 | Have you visited my
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Kristina921

Whenever I call my insurance company, I always dread hearing the "is this for infertility" question. It really sucks that alot of insurance companies (mine included) won't pay for anything related to infertility. I called to see if a HSG would be covered and that was the first thing she asked....I had to explain that it was for a medical reason (i.e. PCOS)...She looked it up and said it would be covered under radiology, not gyn/ob thank goodness.

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Me - 29 DH - 31 Married 8/8/1998
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PCOS Dx. 07/04- Meds- 1500 mg metformin, 125 mcg levoxyl

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VivC

I am SO lucky to live in MD, where insurance companies are forced to cover infertility. These questions don't even come up! I'm feeling for you, girls!

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VIV

Miracle baby boy Rivelino born too early to live on October 6, 2004 at 24 weeks and 6 days. Never to be forgotten...always to be remembered...forever my source of inspiration.

Dominici (May 3, 2006)

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