12-23-2009, 07:58 PM
mrbigstuff wrote:
the reason most freelancers or self-employed are either: (a) screwed; or (b) married with a working, benefitted (sic) spouse.
Our insurance would have covered just about everything if it wasn't for a complicated birth with a hospital transfer. My wife and the baby were in really great shape otherwise they may not have made it. There's essentially two groups that both did all the work they normally would have done (and one emergency) for a birth, but the first place can't bill as a birth because the baby wasn't born there. So everything is piecemeal and thus extra rather than part of the birth. Then there's all the emergency stuff tacked on.