Originally Posted by struglinstudnt
Ok, I've been reading what everyone pays for insurance but does your place of employment dictate where you go? For example, the hospital that I'm planning on working for does not do vbac's anymore for liability reasons as well as there are no anesthesiologists available if an emergency comes up (which is total bull because the anesthesiologists have to be available for emergency surgeries anywhere else in the hospital but - whatever they say...)
So, I was talking to my nurse midwife who is employed by the hospital about having another baby (I have had 4 naturals and 1 c/s) and she agreed with me that there is no reason medically why I couldn't have another baby and try vbac but if I try to go to another hospital, the insurance won't pay as much going to another facility.
She told me this because she wanted me to be prepared for when we do plan on going to another facility so I'm not surprised by the insurance coverage. I think this just stinks. I have talked to several of the OB/GYN's and they agree that the pts best interests are not in mind with this rule. However, I am not blind and I do know that liability for not only the hospital but also the ob/gyn's is at stake with vbacs.
What are your thoughts? Has anyone else experienced this with insurance and their facility?
My current insurance is thru my hubby's employer, but in the past I have worked for hospitals where the insurance coverage was more comprehensive (and out-of-pocket costs significantly less) if services were obtained at the hospital where where I was employed. However, there was always an "escape clause". No hospital provides
every service, so if the physician (or midwife) was willing to contact HR and the insurance carrier in advance of an elective admission, arrangements could be made for higher-level coverage at alternative hospitals. I would suggest that you check this out in advance of becoming pregnant to see if your employer offers a similar option. If not, it may still be possible to plead your case by having your midwife write an appeal stating the anticipated cost savings of a VBAC versus a C-section.
Best of luck to you!
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