Medical Insurance Rant

SmittyPants

My husband and I have United Health Care. Our plan has us paying 100% out of pocket until we hit $3500. After that, our insurance covers 20% up to $6800. For this we pay about $80 each month. This means that we've been paying for my sonograms, lab work, etc, up until this point. All told, we've paid about $2000 thus far. 

I can't believe it took us this long to realize it, but since I'm due on December 31st and in all likelihood will have this baby later than that, we're faced with our insurance deductibles resetting; meaning we're back at square one paying 100% of $3500 and 80% of $6800, and basically losing any money we've paid or will pay in 2011.

Flame worthy, but I'm only half joking when I tell my husband that I want to talk to my doctor and ask him if he'll schedule a c-section for December 31st.