Obama Shlama

That's our president's real name, by the way.

Anyway, I just wanted to tell you a lil something. So private insurance was kind of hard for me to get used to, at least the plan we had. We got a high deductible plan, so basically we pay out of pocket for most everything but for anything over, say $10,000, we would not have to pay for, or once we had paid that much throughout the year they cover the rest. Right, that's how a deductible works? I think so.

We also found out, that the same month we were choosing our insurance plan, that all private insurance plans in UTAH no longer provide maternity coverage, unless you already had it before, then you can continue to have it. Except for one company, Assurant, it was the last month that you could add on maternity coverage before they joined the crowd and stopped offering it in Utah as well. Crazy. So even though we knew at the time (over a year ago) we would not be having a kiddo anytime soon, we decided to add it onto our plan and pay the lil extra each month so that when we DID decide to have another little, we would have the coverage. because 9 months of appointments, not to mention the birth, is very very expensive. I would say easily $10,000. I remember an appointment with Rocky we had to self pay for, and it was about $200. just to listen to the heartbeat and pee in a cup. But of course, you pay it, because you want to make sure you still hear that little heartbeat each month. And peeing in a cup is just fun, you should try it. Oh wait, no, that's a total lie. Nothing could possibly be more awkward then having a 9 month belling and peeing in a cup with your toddlers in the bathroom with you. Now many times, when you are self-pay, they work out a cheaper deal for you, etc. But not always so you can't count on that. So we felt it was worth it.

Well, I have not wanted to take the kids to the Dr for any reason because I know we have to just pay for it, and I called to ask how much it is and they said something like "it's $150 to start, and then depending on how long you're with the Dr it goes up from there." So what...do they like time me while I'm in there? Charge me for every minute? Really? No wonder Dr's make good money, they get paid by the minute while everyone else is getting paid by the hour! haha. Anyway, I put off getting vaccinations done for about 9  months, but finally, 2 months ago, I decided to go do it. I talked to James and said "it'll cost us a couple hundred but the kids really need to get caught up." He looked at me and said "oh that's covered now with the whole Obama care thing." I guess there are good reasons to watch the news and stay up to date with politics because apparently preventative care was now covered for us. I was extatic! So I took the kids in, got ALL their shots (rocky is still a tad behind but Grace is caught up!) and their Flu shots as well. boo ya.

I just got the bill. $232.25 was  how much we would have had to pay before Obama Shlama's plan. What did we pay? A whopping $8.00. THANKS, Mr PRES!

Oh but wait....another thing that changed in our insurance due to Obama Care: no more maternity coverage. That's right. We're on our own.

LAME.

good thing we've been paying for it for the last, oh year or so.

I guess it evens out then. I've been paying for coverage I'm not gonna get, and then we got coverage paid for we weren't expecting.