That was my sentiment for today.
I had emailed back our agency after the last email (the one about insurance and COBRA) because I had a few questions. Mostly about how were were going to be paying for this new expense, but also because I didn’t understand how our Surro could use COBRA if she is newly (re-)employed and is now covered under her new job’s insurance…
Well, we never got an email response back…but I did find a voicemail on my phone after work yesterday. (I have no cell reception at work, and tell everyone that would possibly call me, to call J instead; not that they ever listen!)
The voicemail was very vague, but I didn’t think TOO much about it, and just kept it in the back of my mind.
Then I got an email from our Surro, basically saying “insurance hiccup”…”let me know when you talk to the agency”. That’s when I started to get nervous.
I IM’ed J to call the agency as soon as he could. We didn’t get a hold of anyone until about 4 in the afternoon (only 6 hours later!), and all the while, I was a nervous, freaked-out MESS. I couldn’t eat lunch! Why are these people intent on stressing me out? I’m trying to grow some beautiful, healthy eggs!
The gist of our agency’s freak out: They aren’t sure our Surro’s insurance will cover her pregnancy, and (shockingly!) she can’t use COBRA if she is covered under her new job’s insurance policy! In the middle of J’s transcript of the convo for me to see, it was stated that our Surro checked with her HR department, and they told her it would be covered…To which I said to J:
….”Hold up! Her pregnancy will be covered? So, what’s the problem??!!”
We’re still not sure…and they are still having our Surro apply for Kaiser insurance (even though she has already been denied by another insurance company because she is already taking fertility meds…)
At this point I am confused, angry at our agency (why are we paying them so much money if they can’t figure this stuff out?!), and kind of feeling that our Surro’s new insurance will be just fine, probably.
Cut to, us at home, freaking out about another voicemsail left on my phone (by OHSU this time) about a bill that needs to be paid before our urro’s appointment tomorrow…which we didn’t even know about it! And then, my Surro called me! And she was awesome!
She told me how she had her freakout moments yesterday, calling her HR department (and hearing that their insurance sees a pregnancy as a pregnancy, no matter how it happens!), and standing up for us with our agency. I’m so glad we found her. When I finally hung up with her (after lots of encouragement from each of us to each other) I started crying from all the emotion built up all day, and my gratitude to our Surro.
So, I am hoping our agency is working to sort this MAJOR issue out. I am fairly confident that our Surro’s insurance will cover everything, but I feel that our agency should make sure of this, and have our backs to make sure we don’t have to pay for an expensive “back up” plan, if it isn’t needed! My hope is that they have their lawyers look at the plan, and/or get something in writing, so that if something happens along the way, we have a leg to stand on!
At this time, we are planning to continue on the road we were on, and hope that the rest of this cycle is nice and smooth (and successful! 🙂