Woman finds out her insurance doesn’t cover maternity

One TikToker said she found out about halfway through her pregnancy that she wasn’t covered by her insurance.

“I’m 36 weeks pregnant,” @florble told her viewers. “I had a very, very, very healthy pregnancy, but the worst thing I had to deal with was my damn insurance.”

Immediately after finding out she was pregnant through a home test, the expectant mother said she started calling around town to find a gynecologist who would cover her insurance. After she did, and they confirmed her coverage with her insurance provider, they gave her financial information about what she would owe, she said.

But things took a turn when she said she should be referred to a specialist by her gynecologist, and subsequently received an unexpected $2,000 bill for the visit.

“I’m 25 years old and I’m sticking with my parents’ health insurance because it’s really good. But we found that my 63-year-old mother is the only one covered by this maternity plan,” she explained. “So what happened was my OB had contacted my health insurance, they said ‘oh yeah you’re good’ because they see maternity somewhere on the plan, not knowing it’s just for my mom, until someone finally caught her mistake when I went to the specialist.”

@florble insurance nightmare #pregnant #pregnancy #insurance #versicherunghorrorstories ♬ O-Ton – Florble

The TikToker said she had numerous discussions with her gynecologist and the insurance company, but said a clause in the agreement absolves her of any responsibility for the mistake, meaning not only would her upcoming visits and birth not be covered, rather she may be held financially responsible for all of the past visits to her mayor that the insurance company erroneously covered.

This led to a scramble to try and figure out her options. She said she was considering running to the courthouse to marry her fiancé early to get his insurance, but felt her pregnancy wasn’t covered as it was already so advanced.

Ultimately, she realized there was only one solution: Medicaid.

“Fortunately, in the state of Georgia, we found out that there is special insurance for women who are already pregnant, and my obstetrician covers it,” she said. “And thankfully I didn’t go back to work when I found out I was pregnant. And even happier, my fiancé and I didn’t run to the courthouse and get married just so we would get married because of the paperwork for this baby.”

@florble Answer to @florble Part 2 of the insurance nightmare #pregnant #pregnancy #insurance #insurance nightmare ♬ Original sound – Florble

Medicaid is generally only available to low-income households who meet certain additional qualifications, which in Georgia include pregnancy. So if @florble had gone back to work, she probably wouldn’t have qualified.

@florble was approved for Medicaid and said Medicaid will go back and cover last three months’ expenses.

Viewers were sympathetic to @florble’s situation, although many fellow Americans appeared resigned in horror after having dealt with the frustration and confusion surrounding insurance themselves over and over again.

“THE SAME THING HAPPENED TO ME!!” wrote @haileymadison__. “I had to get emergency medicine and everything was covered.”

“Every time I see this I feel like it’s so crazy… America you need public health insurance!” @eierpfannkuchen said while @fruit.loop333 posited that “American Healthcare is a bigger scam than MLMs “.

“My entire pregnancy was covered by Medicaid,” added another viewer. “I wish healthcare was universal at this point. I shouldn’t be ‘happy’ to be so poor that medication is free.”

The Daily Dot reached out to @florble via TikTok comment.

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*Initial publication: January 12, 2023 3:42 pm CST

Rachel Kiley

Rachel Kiley is an author who sometimes writes things and sometimes lives in LA but is definitely always on Twitter @rachelkiley.

Rachel Kiley

https://www.dailydot.com/irl/insurance-doesnt-cover-maternity/ Woman finds out her insurance doesn’t cover maternity

Jaclyn Diaz

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