Don’t we all know that one?!?
I was on the phone, again, with our insurance company this morning and I think I may have unearthed a new passion.
The “rules” really don’t apply to NICU babies and special needs kiddos. Exclusions bite. I HATE getting transferred to a different customer service rep everytime I call. Hear me out, I’m not really here to bellyache today. I just had an epiphany after today’s conversation with the insurance company.
There really isn’t – nor should there be – a “one size fits all” kind of rule for insurance coverage. I think there should be exceptions noted on a case-by-case basis. One thing that our case manager said to me today really struck a chord. She said, “It’s not that we discriminate against NICU babies, that just isn’t covered.”
And for the first time EVER in my life, I felt like my son was being discriminated against. Folks, I’m a girl who has two majors in agriculture, a girl who grew up in the construction business and I talk with a sweet, Southern twang. I’ve certainly had plenty of opportunities to feel like the underdog. But it wasn’t until today that I felt like there was a wrong that needs to be righted. That conversation made me want to change the rules for the millions and millions of babies who are born premature and who don’t fit into nice, little neat insurance categories.
I’m not really sure how to take on the beast, but I’ll figure out a way. I recognize that Luke’s challenges and insurance headaches are a small coin in the bucket compared to millions of other babies. So, if I feel like beating my head against the wall, I know those mommas do too.
Stay tuned for the “kicking hineys and taking names” storyline. I just bet it’s gonna be good. They messed with the wrong momma 🙂