Insurance: Friend or Foe?

Okay...so, maybe we should have reviewed our maternity benefits prior to getting pregnant. But we were so paranoid about keeping everything secretive that we even decided to keep it from Aetna! Dumb move evidently.

As it turns out, our medical coverage is not too bad. However, our lab/diagnostic coverage is only applicable to tests done in the doc's office. Makes sense, right? 80% coverage/20% out of pocket after a reasonably small deductible. Well, it does make sense unless, like my doc, there is a lab that physically resides in the doctor's office, but in reality is merely an outside lab/diagnostic center that simply leases space from the practice. Ugh!! Pretty much two sonograms, and then everything else will be 100% out of pocket.

So, my dear friends, please learn from our stupidity and naïveté. This expense is not unbearable, and we are blessed to have insurance....I know this to be true....however, the cliché of 20/20 hindsight can be utterly frustrating. (Sometimes Obama's "healthcare for all" pipe dream doesn't look so bad!) ;) Hee hee! Just kidding!

Insurance: friend or foe? The jury's still out. We'll let you know after August 3, 2010.