Thanks a lot, Humana

I recently got my standard "A claim has been processed" email from Humana. I went to the website and was clicking through all of the recent claims. I got to the one for my NT scan, and it said I owed $120.

Now, before I even saw my OB - back when I was very newly PG - I called my insurance company to double-check my maternity coverage. I was told that my OB was in-network, and that, b/c I had met my max OOP, everything would be covered 100%. Which is amazing.

Well, my OB doesn't do Level II u/s's in his office. He writes a Rx, and sends me to a nearby MFM center. Apparently, the group of doctors who work for the MFM center are out-of-network. That means that I now have to meet my OOP deductible which is another $800. That would have been nice to know at the beginning. The woman I spoke to on the phone from Humana was actually very nice, and said she would submit my claim for review (which was quickly rejected, BTW). I guess I'll have to suck it up and pay the $240 - I've had another u/s at the MFM center since my NT scan.

But from now on, all of my u/s's will be at another local hospital, rather than right next door to my OB's office. Lovely.