Tuesday, July 12, 2011

I am stressed out

Picking a new health insurance plan the month before your due date is extremely hard. The new plan goes into effect two weeks before I will deliver, so it is extremely important that we pick the right plan. I have been researching and stressing out about every detail of the new plan options. My husband, on the other hand, seems to have completely forgotten about the health insurance. He just wants to go with the cheapest plan and forget about it. I wish I was so naive and carefree.

John's employer hasn't given us much of an option. We basically have two plans to choose from - a PPO with incredibly high premiums or a cheap HSA plan with an incredibly high deductible. Financially, we are going to get screwed either way we go, so I guess I shouldn't be so stressed about it. The part that has me all worked up is that maternity benefits aren't listed in the description of the plans. I am confident that the PPO covers maternity, but I am not so sure about the high deductible plan. I have made my husband email the woman who is in charge of insurance for his company, but she can't seem to comprehend my request. It is actually very simple - I just want something from the insurance company stating the maternity benefits for each plan. But instead, she just keeps emailing my husband to say that maternity benefits are covered. She seems like a nice lady and all, but I want something from the INSURANCE COMPANY. I have been screwed over by health insurance companies too many time to accept a generic statement from a woman in the HR department.

In other news, I am growing! Holy crap, I gained 8 pounds in the last two weeks! I don't know how that is even possible, but my scale keeps insisting that I have gained all that weight. Ugh. I am trying not to stress about it too much, but I really don't understand how I gained that much. I have been eating the same as every other week. I know I have some swelling issues, but I hardly think I am retaining that much water.

I hate hate HATE that I am stressing about my weight. This is my last pregnancy, and I want to enjoy it. My weight has always gone up and down, so if I gain too much with this baby, it is not the end of the world for me. I can lose it. I know that I can. But for some reason, I wake up and weigh myself every morning. It is a sickness, but I can't stop.

Here is a picture of me at 34 weeks 5 days...And just for fun, here is a picture of my lopsided legs. I have lots of swelling on the right side of my body ONLY. Isn't that weird?


Heather @ Cancer Mommy said...

Girl, dont even get me STARTED on insuranace companies! And I think you look adorable:) Lopsided legs and all! My left leg swells really bad when I am on it all the time. but thats because I had so many lymph nodes removed when I was first diagnosed. Yours is just because youre weird. hahaha

amanda said...

sorry about the insurance. i am clueless when it comes to that stuff. i remember after lilly was born i *thought* everything was covered. then we got the bill. i thought i was going to faint!

ps - you look adorable :)

allyk said...

Don't stress about your weight. I know easier said than done. I hate the freaking scale and have decided not to weigh myself but once a week. It is killing me. From what I can glean here, you are a pretty health minded person and even make vegan deserts so it will come off. Now go eat a cookie! As for the insurance.... Seriously? They need to do this to you now? Really? And I wouldn't trust some hack in the HR dept either. They will just say anything to shut you up! I had a ppo once and I loved it. My husband has A LOT of health issues and it worked out great because he could go to any doctor and we'd pay 20% of the bill. Good old fashioned insurance. I don't know if that's what yours is like but either way, you shouldn't have to deal with this shit right now.

Jenny said...

Insurance and I do not mix...I hate having to make phone calls to them about something...scares me! Hope you can get it all figured out and find out what is best.

You look great in your pictures..I think I am that size now and I am 24 weeks! The other day Lew was filling out something for our insurance and he had to know my current pregnant weight...when I said 141 out loud, I almost freaked.

It will all be worth it in the end when you meet your new little one!

Chris said...

Good luck with the insurance stuff. It's such a pain and never that simple. Enjoy the last few weeks of the pregnancy!

Antropóloga said...

You look super-cute!

My dad is trying to pick a Medicaid option, and, like in your situation, they are all horrible in their own way. At least you can rest assured you are not missing some secretly good option.

I am gaining weight like a crazy person, too, and I am getting plenty of exercise and everything, so I don't get it. But it all came off fast last time, so I guess it's fine.

April said...

When my husband's work switched insurance so we had to pick either a PPO or HSA I was nervous. We decided to go with the HSA and the first year I was always nervous about us having some major medical bill but not having money in our account yet. That was over 3 years ago and today, I absolutely LOVE having an HSA account. In fact, they've changed things again and I love it so much that we choose to stay with the HSA even though his employer doesn't make contributions to it anymore. With several medical things happening in our family we will hit our out of pocket max for the year but I feel good knowing all the money is already in our HSA account (which rolls from year to year...different than a flex account). Anyway, good luck! Everything maternity and preventative health care is covered at 100% on our HSA plan, hope yours is too!

misguided mommy said...

my God you are skinny. Can you cook for me so I can be skinny like you pretty please...you know after you have the baby and stuff