blessingsofmany
MY FORM OF BIRTH CONTROL IS BEING DENIED!
October 13, 2012 at 10:13 PM

Don't let the government fool you!  Not all birth control methods are considered equal.  This year since there is a "war on woman" the policy needs to change.  My health insurance will not pay for my Natural Family Planning.  They tell me because it is coded educational.  When you take birth control, have an IUD or the patch, doesn't the doctor educate you on the product?  Doing Natural Family Planning has the same result of birth control pills and it should be covered.  My religious liberty comes into to play.  I am being discriminated against!  All forms of birth control should be covered or none at all!  How many Natural Family Planning families are out there that have this same problem?  Would love to hear from you. 

Re-editing do to some comments.  Natural Family Planning - the Creighton method this is how it works.  It doesn't tell you when your period ends (how silly).  It tells you when the best days are to conceived if you want a baby and the days not to have sex if you don't want a baby.  You sit down with a nurse and they give you instructions on the method.  By using this method, I found out that I had fertility problems.  Which this methods help to diagnose. I have been diagnosed with ovarian dysfunction.

I simplified the method too much.  This is complicated and can't be done on an app!  The nurse teaches you how to identify your sensation after you wipe.  the charting has about 10 different ways you can chart.  They use soft - s for sensation, o- obersvation - ft - for finger test.  You can have peak type mucus or non-peak type mucus.  If you have mucus you are fertile.  The charting is harder for people with abnormal cycles and for menapausal women.  Sometimes you can't read your observations correctly. It is not as easy as some of you are trying to make it out to be.

People keep posting they haven't ever had to pay.  You do, you just don't know about it.  You have to have your employer buy a more expensive plan.  I am quoting my insurance company. As far as insurance goes, yes depending on your insurance sometimes it is covered.  Mine used to be. The basic first tier insurance that your company chooses to save money only covers pills, IUD, patches. If you want this kind of coverage, your company has to pay a higher premium and go to the next tier.  This is what I am saying that is unfair.  All forms of birth control should be on the basic first tier and covered.

I am speaking to politicans about this and tyring to see how many women are having this problem.  In the St. Louis area there are 30% of women.  The other 70% that are covered should not have to pay a higher premium for this either. I am doing this as research.  The NFP office is trying to change the laws on this. The government assigns the Revenue billing code.  That code is what is preventing my coverage.  I have no control on that code and neither do the doctors.

This site I thought, was for other moms to help one another.  Not bash them.  I don't get the belittling.  Just because I think something you wrote is dumb and you are misinformed I would never come out and say that.

Replies

  • alliesaurus
    October 14, 2012 at 4:25 PM
    Quoting needabreak8:

    I used NFP and it did not cost me a dime..so why does this need to be covered by insurance?




    This exactly......lol
  • cjsbmom
    by cjsbmom
    October 14, 2012 at 4:36 PM

     I'm sorry, but other than the cost of a thermometer to keep track of your temperature, and your own fingers to see what kind of cervical mucous you have on any given day, how does it cost any money to do NFP?  I did it for years when we were trying to conceive, so I'm well aware of all that is involved. You can't even compare this to the cost of birth control. Trying to do so is like comparing apples and oranges.

  • cjsbmom
    by cjsbmom
    October 14, 2012 at 4:39 PM

     I had this happen. Only they refuse to pay anything for my curren pill and said they would only pay for three brands. So my pharmacist just gave me one of those three. I was pissed. It's not the same as what I was on and it doesn't work for my heavy/painful periods (which is why I'm on them). And I wasn't aware that anyone besides my doctor was allowed to totally change my prescription. I'm pretty sure they're not, unless it's to provide the generic equivalent of a name brand, which is not what happened to me.

    Quoting Citygirlk:

    She is right though not all types of bc are being covered i just had to switch from an iud to pills for medical reasons and had to pay over $70 for it. When i asked my insurance company why they said because they dont have to pay full price until 2014. But hey at least i saved 16 bucks right.

     

  • blessingsofmany
    October 14, 2012 at 6:39 PM


    Quoting rfurlongg:

    It should be billed as a perimenopausal visit. Most women in perimenopause see their care provider frenquently. Talk to your care office billing dept and tell them to code the billing as peri management. If you have traditional ins that should be no problem.

    Quoting blessingsofmany:

     


    Quoting rfurlongg:




    Quoting blessingsofmany:


    I would like to see NFP covered.  Just like birth control pills. I should not have to pay a higher premium to have the coverage.  I don't know how to get more specific than that.


    If you carry insurance that covers a dr's vist, your insurance cover the education needed to successfully use NFP. That is easily covered in one drs office visit and can be done easily and quickly during a well visit.


    Obviously, you get it.  But, my nurse likes to meet every couple of months.  I think about 4 times a year.  We can't afford that much out of pocket expenses.  I only see my doctor once a year.  I am peri and worried about having a child at my age.  I don't want to be pregnant at 50.  It is harder to chart (for me) while maybe going through that year of menopause.  This method used to be very easy for me till I started having limited mucus. 


    The women that are in the 70% should be mad about having to pay extra for the coverage to received this treatment, while birth control is free.

    The coding is out of my hands and the doctors.  Again, the code that the doctor is using is NOT the problem.  It is the revenue code assigned by the government.

  • rfurlongg
    October 14, 2012 at 6:54 PM
    If you are going to your care taker for perimenopause, it is covered. Period. If you want to take issue with ins coding and governmental regulation, that is another post entirely.

    Quoting blessingsofmany:



    Quoting rfurlongg:

    It should be billed as a perimenopausal visit. Most women in perimenopause see their care provider frenquently. Talk to your care office billing dept and tell them to code the billing as peri management. If you have traditional ins that should be no problem.


    Quoting blessingsofmany:


     



    Quoting rfurlongg:






    Quoting blessingsofmany:



    I would like to see NFP covered.  Just like birth control pills. I should not have to pay a higher premium to have the coverage.  I don't know how to get more specific than that.



    If you carry insurance that covers a dr's vist, your insurance cover the education needed to successfully use NFP. That is easily covered in one drs office visit and can be done easily and quickly during a well visit.



    Obviously, you get it.  But, my nurse likes to meet every couple of months.  I think about 4 times a year.  We can't afford that much out of pocket expenses.  I only see my doctor once a year.  I am peri and worried about having a child at my age.  I don't want to be pregnant at 50.  It is harder to chart (for me) while maybe going through that year of menopause.  This method used to be very easy for me till I started having limited mucus. 



    The women that are in the 70% should be mad about having to pay extra for the coverage to received this treatment, while birth control is free.


    The coding is out of my hands and the doctors.  Again, the code that the doctor is using is NOT the problem.  It is the revenue code assigned by the government.

  • turtle68
    October 14, 2012 at 7:06 PM

     LOL...LOL and LOL

    as for your last sentence...just because you dont call other posts and info dumb doesnt mean others cant call your stuff dumb.  Its the internet.  Either bring forth a great arguement against it being called dumb or harden up :-)

  • kailu1835
    October 15, 2012 at 11:26 AM

    I really don't understand what there is to cover.  You don't have to buy anything or pay for education.  I learned from a book I got at the library.

    Quoting blessingsofmany:


    Quoting kailu1835:

    Um, natural family planning doesn't require any medical coverage.  I practiced it religiously for 2 years and kept from getting pregnant.  I used for 3 months before my daughter to keep from getting pregnant before getting some test results back, and then got pregnant the first month we decided to start trying again.

    Cigna used to cover mine.  My husband is in the military so we went to Tricare.  They do not cover it because it is considered education.  After the military we have Blue Cross Blue Shield.  They do not cover it because the employer would have to choose the next plan up.  Again, this is what I am saying is unfair.  It should be on the basic level along with the pills etc.


  • eema.gray
    October 15, 2012 at 11:33 AM

    Uh, I learned NFP by reading Taking Charge of Your Fertility and studying the enclosed DVD closely.  Should insurance pay for the book?  Well, maybe.  My insurance offers a discount on education and fitness; I probably could have gotten a 20% discount on the book if I'd thought to send in the recept.

  • thecoffeefairy
    October 15, 2012 at 11:33 AM
    Why such snarky sarcasm, op?