Denied!

We finally got an email back from our health insurance guy and sadly our reapplication was DENIED! 

Why? Because we have had more claims paid for than we paid in premiums.  I asked our rep if we could get the insurance’s records of premium paid vs. claims paid by insurance.  I would like to know if they are just counting this year (baby #2 had 2 days in NICU) or if they count the last three years that we have had private insurance, or if they also count the year and a half that we had company insurance (and baby #1).  I sure do miss the company insurance they considered pregnancy just another sickness and covered 90% after our deductible.  It’s got to be the long or the short time period they are looking at, because we have paid $10,000 over the last three years and I know we haven’t had that much in claims.

So we don’t get to save $100-$150 a month there, but we are looking at our phone bill….

Rob has gone on two campouts where he has been the only one without reception.  So we are planning on getting ride of AT&T and checking into Sprint or Verizon.  When he started his company we changed from 1000 minutes to 2100 minutes, but we think we have only been using 1400 minutes or less.  We are going to look at our phone bills when we get this next one and see if we lower our minutes again when we switch companies.  That could save us $20-$30 a month 🙂

Do you like Sprint or Verizon? What is your favorite cell phone company?

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2 responses to “Denied!

  • Harmony Tactics

    In our younger days we probably tried just about every cell phone company. There always seemed to be one problem or another. We’ve had Verizon for at least 5 years now and have not had any issues.

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