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Pregnancy Blog @ 33 Weeks - Need to get this off my chest.

Sunday, August 02, 2015

I sent this to a SP friend of mine via message earlier, and it brought all the emotions up again that I've experienced for the last five months (basically my whole pregnancy). This is something that has definitely placed a dark cloud over my pregnancy, no matter how positive and blessed I have been feeling otherwise. I wanted to post this publicly so that others might be able to benefit from my misfortune here.

My insurance company and I are basically not getting along right now. I accepted my position at my job mostly because I knew they offered maternity benefits. However I was on my parents' insurance until I turned 26 and when I had to get my own through work I was basically just tossed a brochure and told to choose between two companies. I had an interim boss at the time who was from out-of-state who knew nothing about MA insurance policies and basically left me to fend for myself. Long story short, I needed to get short-term disability to be eligible for six months paid maternity leave, which I did not know because all it said in the brochure was that STD was "non-work related illness or injury" and I don't consider pregnancy to be either of those things so didn't elect it. Didn't mention pregnancy anywhere, my boss was of zero help to me. So then when I got pregnant the STD insurance told me I wasn't eligible because my pregnancy is now a "pre-existing condition". So I've been struggling for six months now, having to have learned this lesson the hard way and now receiving no paid time off. So my maternity leave is questionable at the moment - preschool teachers don't make that much money and i only have about three weeks of PTO saved up. You would think a preschool owned by a pretty prestigious Boston college would have better, more detailed, insurance policies but I digress.

I am just so sick and tired of how everyone in my company and insurance companies has so much lack of compassion for a pregnant woman - and preschool teacher no less. Please if you are ever planning on getting pregnant, educate yourself fully on your options - because fair or not, no matter how much money you're paying them or not, insurance companies are not your friend. They will look for any way out of giving you the coverage you're paying for.

End of rant.
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Member Comments About This Blog Post
  • USMAWIFE
    insurance companies love to do this to people find a lawyer who does employment law and ask for their opinion
    1638 days ago
  • STOPGIVINGUP
    That is horrible! I hope that you are able to figure something out that may help in your situation. I will definitely keep this in mind if/when I ever become pregnant, or when I switch insurance companies.

    I hope things get better for you!
    1638 days ago
  • BLUECAFE
    I personally think most insurance companies are a ripoff, be it health, auto or homeowners. I have paid homeowners insurance for 28 years and last month made my first ever claim and you wouldn't believe how many hoops we had to jump through! At least your getting a wonderful bundle of joy out of the deal....LOL Good luck!
    1639 days ago
  • CMITCHELL34
    I'm so sorry you are going through all this. This insurance busniss is for the birds as far as I can see. Is there any way you can go on the government insurance? I wish you all the luck and hope it all works out. If your insurance is anything like mine, you pay an arm and a leg for it yet you have to pay for all the dr visits and labs and all until you meet an ungodly high deductible. Is there someone in HR that may be of help? They should have someone who is more knowledgeable with all this. .
    1639 days ago
  • JOHNMARTINMILES
    Your case is not as rare as you might think. Insurance coverage has become so complicated that employees cannot understand what is thrust upon them and employers do not want to tke the time or spend the money to inform the employees.

    My thoughts go with you.

    Make today the greatest day of your life

    emoticon Until tomorrow!

    1639 days ago
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