Making an off-hand generalizing statements is never a good idea, people. Especially, when you are talking about something that lies far outside anything you could possibly experience.
I have been shocked and wounded, for instance, by reiterated assertions that “maternity care is covered by insurance.” Some maternity care costs are sometimes covered by some insurances. This doesn’t mean, however, that all costs are always covered.
I have one of the best, most comprehensive kinds of health insurance anybody can get in this country. Still, just today I’m paying $450 out of pocket for my maternity care costs that are never covered by any insurance. Mind you, this is what I pay on a regular basis and will continue paying for quite some time to come.
Part if this sum is teeth and gum treatment because gestational periodontitis doesn’t just go away after gestation ends. The rest of this money goes to mental health care that is also not covered because it isn’t pill-based. Leaving aside “advanced fetal death”, the mental consequences of PUPPPS alone will have to be dealt with for a while. It’s an absolutely horrifying experience that can lead to psychotic breaks, suicide attempts, etc both during and after pregnancy.
None of this is covered by any insurance. And these are just two maternity-related afflictions I happen to be experiencing. There can be many more.
Clarissa's Blog 
I am so sorry that your services aren’t better covered. Mental health coverage is particularly bad in this county. One of the biggest problems with insurance in this country isn’t necessarily the unisured (though it’s certainly a profound issue) but the severe limitations of insurance. A couple of years ago, I was experiencing severe lower back pain and I didn’t want to medicate so I saw a chiropracter (and it was immensely helpful.) My insurance does officially cover chiropractic services. But they kept denying my claim. I had to go rounds before they finally accepted it. So my story has a happy ending. But the sheer mental energy and time it took for my insurance to cover something they already cover was insane.
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I know exactly what you mean! My husband is going through this same process right now with his back problems and his chiropractor. We still don’t know how this will work out.
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Another thing that doesn’t always get covered is an ambulance ride. My parents have some friends who needed to get rushed to the hoipsital for an emergency. The operation was covered but the ambulance ride wasn’t because the inusrance company somehow deemed the ride wasn’t necessary. And ambulances are extremely expensive. This poor family has been paying for the ambulance ride for over a year.
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Yes, I also had to take an ambulance ride once that cost me $511. But you know, maybe I should have planned for that.
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Do you have dental insurance? It is weird that medical insurance and dental insurance should be separate, but they are.
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Yes, but it got maxed out in September and a new cycle starts in July.
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I also now have a dental-care debt of a little over $6,000.
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