Insurance Company Sponsored Maternity Programs

chicagobride_07

So, I got a letter in the mail inviting me to join the BCBS "Special Beginnings" program.  I googled and women all over are raving about how great it is to receive coupons, a $50 Target gift card, special incentives for joining this program.

I think IF has made me a bit jaded.  My RE and I just spent 4 months trying to get PIO covered (for during my pregnancy) which the insurance company denied because they said it could cause harm to the fetus.  After a "peer to peer review" and months of paperwork, they announced they'd cover it, but at a "specialty biotechnology" co-pay of $100 a vial (PIO is about $40 a vial, so essentially, they weren't covering it).  Just a mess.  I have plenty other examples of the madness.

The "Special Beginnings" program letter says that "ideally a women is enrolled in her first trimester.  A confidential interview determines if her pregnancy is at risk."

The jaded individual in me doesn't like this.  If my OB determines I am high risk, and sends me to a peri, is the Special Beginnings program going to start telling the insurance to deny my claims because they don't agree?  My OB has 30+ years of experience and other sub specialists he can reach out to, pretty sure I don't need confirmation of high risk status or how to proceed with treatment from an individual on a hotline.  I don't like this level of additional oversight coming directly from the insurance company.

So tell me, am I totally off here?  Just thinking of signing up for this, getting $50 from Target and coupons to BRU, and thousands in denied medical claims.

I don't see any other concerns on this on the internet......