Who else has had Aflac in the past? I know we're chatted about this before... I had a small realization last night that might be an issue.. Ugh..
I have aflac and last year signed up for the maternity leave coverage (hopefully, someday I will need it!!)
Are you having a problem with yours?
I totally stalk you so WHEN you get to use it, I'm all over your journey.
Well.. here's my question.. My Dr. doesn't deliver at a hospital.. it's at a "birthing center". But.. my Hospital Indemnity plan doesn't say a "Birthing Center" is covered!!! And of course, I'm freaking out thinking I'm going to have to switch Dr's.
Any idea?? I'm looking at my online summary but it doesn't define that or not...
The BC is affiliated with the hospital but is in a medical building about 500 feet away.. :confused:
Here's how they define HOSPITAL..
F. HOSPITAL: a legally operated institution licensed by the state in which it is located that has
facilities for the care and treatment of sick and injured persons. The institution must also
have permanent and full-time facilities for the care of overnight-resident bed patients under
the supervision of one or more licensed Physicians, provide 24-hour-a-day nursing service
by or under the supervision of a registered professional nurse on duty or call, and maintain
the patients? written histories and medical records on the premises. The term "Hospital" also
includes Ambulatory Surgical Centers. The term "Hospital" does not include any institution or
part thereof used as an emergency room; a hospice unit, including any bed designated as a
hospice or a swing bed; a convalescent home; a rest or nursing facility; a psychiatric unit; an
extended-care facility; a skilled nursing facility; or a facility primarily affording custodial or
educational care, care or treatment for persons suffering from mental disease or disorders,
care for the aged, or care for persons addicted to drugs or alcohol.
Huh. That is weird.
First, I would wonder if the center is affiliated with the hospital and so close that they would call themselves part of the hospital for billing and insurance purposes?
I would definitely call your dr's office. This cannot be the first time they've come across it, and the people in those offices have got to be used to dealing with it. I really would be very surprised if your dr wouldn't work with you on it. It seems like such a simple thing to have to switch drs for.
Wish I had real answers for you!! Def call so you don't have to worry about it!! You don't need the stress hun I hope it works out perfectly!
Now I'm going to have to read my book so I know all about these things when I need to know!! I had no idea that could be an issue....
My mom works for an insurance department in a different hospital in town so I called and bugged her.. She said it sounds like - per their definition - that it is covered. Plus since there is a walkway from the Birthing Center to the hospital, we assume that should there be a true emergency, that's the way to get over to the hospital for life threatening care.
I'm definitely going to call Aflac AND the Dr's office.. just to be safe. And yes, girl.. read the fine print! I've done is three times now and just scared I'm going to miss something. lol..
I'm sorry Adriana, I am no help but I would definitely call your insurance because they would be able to look it up and tell you for sure. I've dealt with alot of insurance issues in the past and it's no fun! It's better to be safe then sorry!
I called Aflac today and they are closed because of the holiday.. so I'll call tomorrow.
Adriana, I used to work at that hospital (and this LO will likely be born there too), I am 99% sure the birthing center is considered part of the hospital (god knows I had to walk down there enough to draw patients blood, that hallway between the main hospital and the birth center is forever long). I think they just call it a birthing center (and most of the hospitals in our area seem to be switching to that term) because it is less intrusive than hospital, and with the larger push by patients to have natural births and being that having a child isn't a disease, calling it a Birth Center makes it seem fancy.