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@prettypeacock1 As a PSA to anyone else switching mid-pregnancy, it is very common for there to be a "flat fee" charged by the OB/GYN which covers all charges through normal delivery. If a patient switches - mid pregnancy for whatever reason - the standard billing can't be used and so it needs...

@manzanopeek It seems counter intuitive but I suspect many doctors don't want to deal with self paying patients because collecting payment would be a nightmare.

@nhaas11 You could call your insurance company for clarification. I don't have adequate information since one needs to read the entire summary of benefits and you are just providing a fragment of a sentence without context. There could be limiting language in terms of what tests are covered...

@brandonsmith13 VA eliminates all of the "games" that people have to endure with private insurance. It is straightforward in terms of not having to pay for any care that is prescribed by the VA doctors. My father was eligible for VA benefits although he wasn't a career soldier. He also had...

@brandonsmith13 Well hopefully for your finances, your insurance does pay for the tests you had without your deductible limiting it. I am deliberately using "pay" instead of "cover" since many treatments can be covered but the insured still has to pay a lot because deductible isn't met All...

@brandonsmith13 Again, contact your insurance company since no one who doesn't have your plan in front of them can definitively advise you. The fragments you are provided aren't enough - they state that you have to pay for services that aren't "preventative" but there is no charge for...

@stlwalker Getting a new job which offers insurance would be the best option. There are some part time jobs like Starbucks which have insurance if you work a minimum number of hours - I think it is 20 per week. Outside of that your options would essentially be non ACA compliant policies which...

@brandonsmith13 The short answer is that the tests you are billed for were "covered" in accordance with your plan. You are confusing "covered" with "free". The "free" preventative services are very limited and are listed specifically as they are required by the ACA. Anything done beyond those...

@qzxcvbn Wait until you receive your EOB for the new claims/billings and see what is covered and what insurance says is your share to pay

@john919 Actually these premiums seem pretty reasonable to me and you would pay far more if you purchased private insurance. The way to determine which plan makes the most sense is to create a spreadsheet in which you add up the total costs for the year based on your best sense of how you...