I hate deductibles.

I also hate the insurance that we have. I hate that we basically have no choice but to have this crappy insurance with an unbelievably high deductible. With a deductible as high as ours, the doctors make you pay a ridiculous amount up front because they are worried they won't get paid. So now, by the time we have our babies we have to come up with $2000 JUST for the doctor. Not to mention what the hospital will want us to pay up front. I have a call into the hospital to see what we can work out with them.

Honestly I feel like an idiot for not thinking about this whole situation months ago. We knew our deductible would start over again Jan. 1 and we didn't ask the doctor or hospital anything about it until now. And actually, they asked us about it--we didn't even ask them. We assumed, quite naively, that they would just continue to bill our insurance and we would pay that way. Duh, as of Jan 1 we will be back to owing our entire deductible again, why wouldn't they do the same thing the fertility clinic did? Stupid on our part. We could've paid little by little this entire time we've been pregnant if we had thought to arrange something earlier. Ugh. I feel like an idiot.

Chris came unglued when we found out about the money. He feels like the doctor just doesn't trust us so they have to charge us all this money up front. As if we wouldn't pay. They do have the choice about charging us up front, or just continuing to charge the insurance. It seems like it's most doctor's policy to charge up front. I don't have a problem with the doctor as much as I do with this RIDICULOUS deductible. And the way this 'insurance' isn't really insurance at all until you dish out $5000. I hate it.
Also, other than like regular yearly visits to the doctor or w/e, you are basically treated as if you are uninsured until you meet the deductible. Which I don't fault the doctor's office with, I fault the damn insurance company.

I will say however, that I am very thankful especially in 'these economically uncertain times' that we can find a way to pay it. Of course it's credit but we are lucky we aren't the situation that all of our credit cards are maxed out and everything, like so many other people. We've actually been able to pay down our credit cards/debt TONS these last 6 months. So, I'm not stressed about the money or anything really. It just really sucks and I feel like a complete moron for not handling this situation months ago.
Chris and I try to be as responsible as possible, but damn we were just really dumb for not thinking about this earlier. I feel that way anyway. He probably doesn't.

Oh well. Pray that we can work out some kind of payment plan with the hospital. So that way we only have to come up with $2000, instead of an entire $5000 (which is our deductible). That would suck.