Seriously, insurance frustrates the hell out of me, and especially right now. Here's what's up:
-I have insurance through my work, which is paid by the company.
-Justin has insurance through his work, which used to be paid entirely by the company for him AND I, but since we started having to pay premiums, we took me off his insurance (which isn't great, but is better than nothing).
Our plan was to put both Lizard and I on a private insurance plan once I stopped working. We talked to the insurance agent through my work back in June, who said that my allergies might be a problem, but we could apply anyway come November (even though I would be pregnant) to make sure that I'm covered. Okay, cool. Only, when I called yesterday, he said that he can't write any individual insurance plan for me while I'm pregnant. We'd have to wait until I delivered, then apply, and then it would take several months before I was covered--if they even accept me. Um, we talked specifically about this like 6 months ago, and it wasn't a problem. But it is now. Whatever.
So, Justin talked to the insurance lady at his work, since I should be eligible to go on his as soon as I stop working since it's a qualifying life event (as is having a baby, coincidentally). However, she says that she doesn't think it actually qualifies, and that I need to wait until open enrollment in March. Ugh.
But wait...there's more. Back to Lizard...when I actually deliver her, I will still be covered by my insurance through work. We still planned to enroll her in a private plan since J's plan isn't good for frequent doctor visits. So, I talked to insurance rep about doing THAT. Of course, we can't apply until she's actually arrived...and then coverage wouldn't be effective for 2-3 months. And that's assuming there are no complications whatsoever, because if there are, the insurance company will elect not to cover her. I asked the representative what we were supposed to do in the meantime with well-baby checks and whatnot, and he said, "Uh, I don't know what to tell you."
I know that typically in Oregon, the baby is covered under the mother's insurance for the first 31 days of it's life. However, I was recently told (and I have no idea whether or not this is true or where to find out), that this only applies if the baby will then be enrolled on the mother's insurance plan after the 31 days. Well, she won't be, because I won't even be enrolled in that insurance plan. So is she covered, or not? None of this makes any sense...
And even more frustrating...there really doesn't seem to be anyone to ask!