Disturbing news...

So, I got the "new" schedule of benefits. Seems that there WERE some changes from when we were under BCBS... We didn't actually get a new booklet showing the differences, we were simply told that we wouldn't see a significant change.

Well, from what I remember, prenatal including the birth and hospital care was supposed to be an initial co-pay, and everything else covered. However, this is not the case for Aetna. We now have to pay 80% of everything. Additionally there are a few items on the list that I have no understanding of at all... Like "Family Plan Payment Limit" - is that the limit of what _I_ pay? Or is it the limit of what THEY pay... Does that mean that after I reach that point I have to pay the rest? I have no clue.

Also, under prenatal services, it says only "Payable in accordance with the type of expense incurred and the place where service is provided"... Huh?

Have I mentioned that I absolutely HATE legal-eze and the health care system? Ugh. I'm currently facing over $4000 in bills for having Boo... I can't tell whether it's only 20% of the total cost or not, and the sheer physical number of bills and statements that come in are staggering regarding this... I can't really make heads or tails of it - and to make matters worse, Boo was born in February - Aetna still hasn't settled their portion of the bill yet... It's insane.

I'm asking this of anyone who can - if you can donate to help out the bills, please do so... Even fifty cents will help...

~M