Tuesday, March 2, 2010

God on Our Side - Maternity Coverage

It was October of last year that God started stirring waves in our quiet lives in Chicagoland. After noticing some unsettling symptoms, we found out I was pregnant. It was amazing news! However, soon we realized we didn't have maternity coverage. Out of negligence, we were still carrying the same health insurance we had as singles and didn't purchase maternity coverage. I started having severe morning sickness which left me debilitated. However, without maternity coverage, I didn't dare to see a doctor. That was mid October.

In two weeks, C.J.'s company started accepting renewal/new applications for employee health insurance. Until then, it was our understanding that in the state of Illinois, it takes one year of waiting period for the maternity coverage to become available after enrollment. However, we found out that BCBSIL's policy changed in October 2009 to waive the waiting period for new applicants!

We enrolled for the new insurance which became effective on November 1, 2009. I saw a OB/GYN doctor on November 3, and was admitted to ER on the same day and then hospitalized for the next three days for malnutrition and dehydration. The bill for the ER visit and hospital stay came about $80,000, but most of it was covered by the new insurance and we paid only $90.

Looking back at the three weeks gives me goose bumps all over. What could have happened if we didn't have the insurance? What could have happened if BCBSIL still required the one-year waiting period for maternity coverage to become available? We could have either damaged my and baby's health or ruined our finance. God's timing couldn't have been more perfect. I may sound obnoxious, but I do see God's hands diligently working for us in BCBSIL's policy change that happened in October 2009.