Clearly we were spoiled with our insurance coverage with the past babies. I knew that, but now I'm knowing it for real.
OB office gal calls today and first, is all uppity because my insurance co won't tell her how much is in my MSA account (which I'm glad; it's none of her business how much savings we do or do not have --her business IMO is only what is covered by the insurance and at what rate), and then cheerfully informs me that the doc is going to want the $1,850 she will charge for prenatal and delivery charges up front by March 13. Now, I understand paying up front somewhat because our insurance is sh*t-tastic, but at 20 weeks? I think I may have a panic attack.
And then I find out that all of this will go onto our next insurance cycle. Our plan runs from April to March, so we get to pay a lot of $$... our deductible right now is $3k. We've just about met it (thanks to an ER visit when I almost cut the tip of my finger off in October), but get to start over in April. We should get insurance paperwork any day now for that, since open enrollment is in February, and I'm going to up us to the top tier which has a lower deductible, lower copay, and lower yearly max out-of-pocket... kicking myself that we didn't do this last year.I already have3 kids; we should be at the max level. I'm clearly a spaz. I already emailed hubby to up our MSA contribution to the max we can do per year, so that will help immensely for the upcoming cycle.