My TPA Stinks.

Yup, that's right.

Completely smell-o-licious.

I discovered last night (when I got an EOB saying I owed a doctor $196) that once again the folks who administer our health insurance have messed up our deductibles. They did this the year Miss Bee was born and I just got that mess straightened out.

See in SC spouses who are both state employees must carry their own insurance and can't be covered under their spouse's state coverage. They do however allow you to link your accounts for deductible and coinsurance purposes. Nice, huh.

For some weird reason I am linked to The Cop (who has the girls on his insurance), but The Cop is not linked to me. So when Sweet Pea, Miss Bee and I were all sick in January and February the claims that went toward my deductible combined with theirs and we met our family deductible.

Or so I thought.

Then I went to the doctor twice in April and now it's saying I owe $45 to one doc and $196 to another. Um, look again please, something isn't adding up!

I spent 45 minutes on the phone with a claims and membership specialist. Since I work for the agency that designs the benefits for the state employees, I totally used my super secret list of direct phone numbers, I bypassed regular customer service. She's checking it out and she's going to let me know when it's fixed.

In the meantime I have to fend off the billing offices who aren't going to be happy with me telling them I don't owe them any money.

I LOVE health insurance...not.

2 Years Ago

Two year ago today The Cop and I went to my 40 week check up. I was a day shy of my actual due date, but I was not progressing. At all. Miss Bee didn't want to go anywhere.

After my exam, my OB sent me for a sizing ultra-sound because..."I just don't thing this baby is that big." We had the attention of not one, but two technicians. They actually sized Miss Bee twice. Once by our actual tech and once by the tech who was shadowing her. The verdict was intimidating. Tech #1 sized her at 9lbs 13ozs. Tech #2 came up with 9lbs 2ozs. All guesses are plus or minus 10%. I should have been prepared. I was nearly 7 pounds...The Cop...almost 13. We are both tall but never had it crossed my mind that I'd have a baby that big. Fortunately my doctor doesn't have that "god" complex that so many doctors seem to have. When we saw him a few minutes later he said..."I think she's telling us she's too big."

He gave us a few different options for delivery. After many questions, some discussion and some careful consideration, we decided on the c-section. We went home to repack our bags and prepare for her arrival.