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Old Mar 25th, 2011, 18:28 PM   1
lmnop
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Need some encouragement/ to vent


I am soo frustrated! We had moved our TTC date up to April... we're totally ready. However, the maternity benefits for our individual coverage do not kick in for 12 months. TWELVE MONTHS!!!! That's ridiculous... it hurts women so much more than it hurts men. So we wouldn't have any maternity doctor's visits covered until then, nor the labor and delivery... which means that we'll have to wait a bit. We can afford the doctor's visits ourselves, and were planning on paying them anyway, since our deductible is high, so really only the delivery has to be after April 1st of next year. In the long run, it only sets back our trying date for two months, but I'm devastated.

It's not even the date... it just feels way too personal to have insurance companies with the power to affect my family planning. We're ready. Why The new health care bill mandates that maternity is covered from the beginning of every health plan, but that doesn't take effect until 2014. I'm just angry at our whole healthcare system... it seems so unfair to women. And we're relatively wealthy, for other families, this would set them back the whole year. We're ready... who is society to tell us that we have to wait in order to be deemed responsible?

I didn't have anywhere else to vent... my family doesn't know that we're ready to start trying. This probably not the forum for discussion of US healthcare problems, but I didn't know where else to go.



 
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Old Mar 25th, 2011, 19:29 PM   2
besty
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Hi I didn't want to read and run

That must be such an awful feeling knowing your ready but can't try yet! I got told today im loosing my job which means we will have to put ttc on hold till I get a new job and been in it a while so im entitled to maternity pay. I hope it all works out for u

Xx



 
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Old Mar 25th, 2011, 19:57 PM   3
lmnop
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Thanks! It's soo hard when you're ready and can't because of unfair financial issues! Good luck to you on your job search!

I'm already doing better with it... we'll start trying on the anniversary of our first date, so that's cool... I just got a huge boost thinking that we'd moved it to a month from now and now have to get used to having it be a month later than what we originally planned! I feel like I've been teased, kind of.



 
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Old Mar 25th, 2011, 20:03 PM   4
EngineerGirl
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I had my TTC date moved for financial reasons too (a work benefit that I have to wait to get), so I know a bit how it feels.

Here's hoping that the time flies by!



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Old Mar 25th, 2011, 20:17 PM   5
Anna79
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This is when I thank goodness for then NHS in England. We are only thinking about if we can keep baby in a comfortable enviroment after birth and have no worries about care before or indeed after (medical). It is all there for us no matter who you are or what you do.

It must be even more frustrating to have that extra concern.

Good luck and I hope it all works out soonxx



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Old Mar 26th, 2011, 16:59 PM   6
MackMomma8
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Hi lmnpo! I totally understand your frustration - we just found out a few days ago that his AFLAC, which we are both covered under and is how we plan on paying for maternity leave, won't pay for maternity leave until after you've been on their plan for a 12 months! That means if I were to get pregnant before that 12 month mark, we would get no AFLAC maternity benefits. WTF??? So you're telling me I have to pay you insurance f*&ks for a whole year before I can use my policy??? GRAAH!

The US system is really unfair to women, especially those with children. Sorry, UK ladies, but this is something we US girls have to take into account as well, on top of reluctant OH's.



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Old Mar 26th, 2011, 17:29 PM   7
lmnop
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Not to mention, we have to pay over 80 dollars a month extra for those maternity benefits in the first place (for my plan, not my husband's)!

It's a ridiculous extra burden for women. Whenever my crazy relatives start railing about the evils of single-payer healthcare, I'll be sure to be bringing this up ... children aren't just for women - they're for all of society. We should all pay for them, and not leave women so disproportionally burdened.



 
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Old Mar 26th, 2011, 21:09 PM   8
MrsBeans
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That really stinks! I'm in the US and having issues w/ insurance at the moment too. For me, it would be a difference of paying $80 a month for coverage (w/o maternity) or $360.00 w/ maternity! Wouldn't it be great if we were in one of the countries that has great health benefits for soon to be moms?

I completely agree that the wait period is so unfair! I was hoping that the healthcare change was already in place, or soon to be. I guess that's another thing I'll have to figure out! At least you seem to be okay without having coverage for those months. Best of luck to you!



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Old Mar 27th, 2011, 05:38 AM   9
Webbykinskt
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So sorry to hear I hate when other factors like that have to contribute and end up ruling our lives!!!

Hope the extra two months go quickly xx



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Old Mar 27th, 2011, 16:33 PM   10
geogem
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I feel for you hun, we in the uk all moan about our healthcare service but we are really lucky in truth - we get everything whenever we need it at no cost. yes we pay for it in a tax (national insurance) that comes ot of your wages but you dont really notice the deductions and you never have to worry about paying for anything - even medication is free whilst pregnant and 1 for year after pregnancy. you shoulnt have to let someone who you dont even know tell you when you can have a baby or not! i hope the 2 months go quickly hun and its a good job you can afford the docs bills!



 
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