When you work for the "State," everyone thinks you have great insurance.
Negative.
You don't. Unless you are dying.
Below is the conversation I had with a customer service rep with Blue Cross.
BCBS: Thanks for calling- what do you want?
Meg: Hi! I'm Meg. My card number is 1234567, and I have questions about my coverage.
BCBS: Ok- like what?
Meg: Yes- I'm seeing Dr. McDreamy in Jackson for fertility treatments and their insurance coordinator laughed at me for having you as my insurance provided and they suggested that I sell a kidney. Do you cover infertility treatments?
BCBS: No. Infertility treatments are elective.
Meg: Nope. Nose jobs are elective. I have gimpy ovaries. I didn't elect for that.
BCBS: Right. But not having or having children isn't a medical necessity to your health.
Meg: So, I'm put in the same categories as people with liposuction, nose jobs and boobie jobs? All because I'm "electing" to have children.
BCBS: Mam-we don't cover infertility. Best of luck.
After that conversation, I considered having a bake sale. And a garage sale. And selling weenie dogs.
But instead, we hunkered down, canceled vacations, and budgeted like none other.
Honestly- it was tough but sorta fun. Saving money was sorta a game to us. However, I'm glad to be out of the game now!Now- we are in the game of buying diapers and saving for college. If you see me trying to potty train our baby when they are 3 months old.....it's only because I'm tired of budgeting for diapers. And if you see H teaching our baby Algebra when they are a year old, it's because we are shooting for college scholarships. It's never too early.....right??