Insurance update

John called our insurance yesterday and found out a few things. All the labs and stuff done at the hospital are in network and are paid for at 85%. That means we can probably get the ultrasound, although even at 85%, it could still cost us 100-200 smack-a-roos.

Our midwife is not in network and the lady on the phone was sort of skeptical that there would be an exception made. However, after explaining to them that she did homebirth and was the only one in our area that did this service, they seemed a bit more hopeful. John is filling out a form now and with in 10 days we should know if an exception is going to be made.

Finally, something I remembered yesterday is that we still have about $350 in our flex spending account. This is pre-taxed money that is taken out of John's check and put into an account. When you have a medical expense come up, you just submit what you paid (or use their handy credit card) and you get reimbursed for it. So even though it is money we have paid, it seems like we get medical care for free, because the amount taken out of John's check is so small that it's hardly noticed. Even though the amount we have left in there is small, it is enough that it will help cover some of the bills-like the ultrasound or the $250 we owe the midwife for our first visit if she's not covered. In addition, we can figure out exactly how much January and February's services will cost and make sure to add that into our figures next year so that we have enough to get reimbursed for and help with the costs.

All in all, I'm optimistic. It will totally stink if they decide not to cover the midwife, but I have read several verses the past few days in the Bible about how God will take care of us; I just need to trust in that fact and know that it is true. I'm so grateful for my faith in times like these. I'm not a person of huge faith and I struggle with initial reactions, often thinking God is against me or wondering why if He loves me so much He lets certain things happen. It is never really my initial reaction to turn to Him in prayer and find comfort. Instead, like I said, I turn to Him in anger and questions. I have several friends that do the former and I wish so much I had a relationship with Him like that. However, it always seems that if I do come to Him eventually, He brings His Word to mind and reminds me of His goodness, love and provision. When that happens, I am so grateful and am able to find so much rest and peace in it. Thank you, Father, for loving me and providing for me on so many levels. Help me to continue to trust in You.