When I planned for my HBAC, even though I transferred to her at 38.5 weeks, I agreed to pay my MW $3500 ($500 deposit and then $250 every 2 weeks until the balance was paid). That was on her promise that she would bill my insurance, and she said she had received reimbursement for other clients who were on Tricare insurance. I asked her if I would be reimbursed by Tricare or if she would get paid. She said sometimes the client gets reimbursed and sometimes it comes straight to her, but that if she got anything she would let me know and would expect me to let her know. I agreed.
DS was born September 17th after a planned home birth turned hospital transfer and c/s. I got a paper in the mail in November that one claim had been submitted for prenatal care and that Tricare had covered like $200 or something like that.
All the while I am paying my payments. Well in January I called the office to see where I stood, how much I owed, and how much had been paid by Tricare. My MW responded to a totally unrelated post of mine on Facebook and said she had gotten my message and they were looking into it.
No call until today and it was from one her apprentices. She says that Tricare is refusing to cover anything, even the prenatals, but they are going to keep working on it for me. My problem is, I have checked the claims status online and the ONLY claims that are showing are two on August 28th (which were prenatal). I always get a paper from Tricare when any claims are submitted and they also tell what they approved and what they didn't. I have one paper showing that they paid my MW the $200-something in November. I think they are telling me that they have submitted claims, but I don't think they have. Or at the very least, wires are getting seriously crossed between me, them, and Tricare. I have paid $2500 of the $3500, but I don't want to pay any more until I get an accurate summary of where my account is.
I don't want this to turn nasty, but I feel a little jipped. I must admit that it bothers me a little too that I only spent 3-4 weeks of prenatal care with her since I went post-dates, and then I didn't even end up birthing with her anyways. I feel like they totally ditched me since I was a transfer and a repeat c/s
That got longer than I had planned, so thanks for reading. What would you do? Or say?