u/Apprehensive-Fee-967

Hi everyone. As the title states, I’m at my wits end and don’t know what to do moving forward.

I’m currently 25 weeks pregnant and am high risk. Around 18 weeks, my husband changed jobs so our insurance changed to Imagine Health. Had never heard of them prior to this and now I’m beginning to see why. We pay almost $200 a week for this insurance and it has been USELESS. My current OB’s office informed me they don’t accept this insurance and if I wanted to continue care with them, I would have to be self pay.

I contact my insurance to get assistance with finding an OB who does accept my insurance, but that has been a complete bust. They have sent over lists with doctors who are retired, or truly do not accept my insurance. I have not been able to find a doctor that accepts this insurance. I didn’t want to go without care so I attended my OB appointment at 20 weeks for my anatomy scan, at which I was informed I would have to pay $3500 up front for the delivery fee (my doctor and I discussed a planned c section at 39 weeks so I can have my tubes removed). I paid them the money because they advised they would not see me for that appointment unless I had paid the $3500 in full.

At my last appointment last week, my doctor informed me I would need to register with the hospital to get the c section scheduled. I attempted to register last Friday however, one of their labor and delivery reps reached out advising that they don’t accept our insurance and that I would need to get with my provider’s office to schedule my c section at a facility where my insurance is accepted. When I spoke to my provider’s office, they advised that my doctor does not deliver at any other facility. When getting back to the hospital, they advised they wouldn’t be able to schedule me, even as self-pay (out of pocket).

What do I do? What are my options?? I’ve already paid $3500 for MY doctor to deliver my child so if I try to find an in-network hospital, that money will have been a complete waste. I’m at a loss and feel like I just keep running into road block after road block. Every time I try and call my insurance to get some sort of guidance, they tell me they’ll get back to me and then never do. I had a person through my insurance that I was emailing with, who was supposed to be assisting me, but she has since gone ghost on me and I haven’t heard from her in over 3 weeks at this point.

Time is of the essence and I just don’t know what to do at this point. I feel so stuck and lost.

Hi all! SAHM here of an almost 2 year old and I’m currently 19 weeks 2 days with our second.

Recently my husband switched jobs so we moved to a new insurance company. Once I got the new card, I called my OB’s office but of course, they don’t take our insurance (Imagine Health / Quantum Health). I then spoke with an insurance concierge to help figure out what our next steps would be. She advised that because I’m almost halfway through my pregnancy, she would file a COC and see if the provider approves/accepts it.

I’ve never had to do this before and I’m stressed thinking about having to pay out of pocket. Upon looking into all of this, I’m learning that most COCs are only up to 90 days, which puts us at August however, I’m due in October. I’ve also learned that most OB’s won’t accept pregnant patients once they’re 20 weeks or more.

To make matters worse, I’m also high risk and finding a high risk doctor was hard enough to start. I love my current doctor; we have a delivery plan and postpartum care worked out but now I’m stressed wondering what our options will be. Any help or guidance anyone can offer?

I’m not typically a religious person but I’ve been praying that this resolves somehow. It’s so stressful!