I honestly don’t get the point of insurance. You pay this ridiculous monthly payment every month for shitty insurance with a $2k deductible which means they won’t pay shit until you accrue that amount in medical bills that don’t pertain to immunizations or regular check ups. I figured pregnancy would have a lot paid for it since most of this shit is required to have/do while pregnant. Nope, my 20 week ultrasound bill came and insurance only paid $92 out of $557! So now we’re stuck paying $464 dollars, oh boy! Now I understand why most people who can’t afford kids have no problems having kids. They’re on state insurance so everything is covered. May seem harsh but it’s true.
When I had my first ultrasound to see if I had ovarian cysts, which I am pretty positive I did even though the doctors said I was ovulating (at that time I was newly pregnant, we just didn’t know). But anyways, I had to pay $500+ for that ultrasound. I figured it was because it wasn’t a mandatory testing but one to ease my mind. If I would have known this at the time, I would have suffered through the pain because it eventually went away after getting pregnant. My husband wasn’t positive or didn’t know what insurance would cover so I went ahead and went with it. /Sigh.
We redid our insurance for this coming year, only it’s still the same, otherwise if we bump up to the next one with better coverage, we’d be paying $600+ a month in just health insurance for both of us. I don’t know how they think people can afford this shit, which is why we’re stuck with the crappy one again. This time though, we’re putting $2k in a medical spending account that way we don’t get taxed on it and we can just pull it out when needed to cover our $2k deductible. Hoping that our birthing bill isn’t insanely ridiculous, but I guess that’s the price you pay to have precious babies.
Thanks Obama, all you did was make politicians and insurance companies more rich. Asshole.