Health Insurance Problems

I went to the doctor this morning to get my tonsils looked at, and we had a problem with our health insurance.  For some reason, the doctor's office is having a hard time finding our coverage and I had to pay for the visit upfront.  When I call our insurance provider to straight it all out, I find out that we do not have maternity covered & that they no longer offer maternity coverage.

 May I just say, as a quick note for the record:  We are not pregnant.  We do not want to become pregnant.  It is very, very possible that we decide to never have children.  Neither of us are "baby" or "children" people.  BUT, accidents happen.  Regardless of the fact that we've been married for 5 minutes, we are not ready for children.  We do not want children right now BUT ACCIDENTS HAPPEN & we need to be prepared.

Did you know that the average cost of having a child (without maternity insurance coverage) in 2005 was between $5,000 and $10,000?  Add an extra $2,000 if you're having a c-section.  And if your child has health problems or is born premature, it can cost an extra couple thousand all the way up to $200,000!  AND this does not include any ultrasounds or prenatal visits.  I'm starting to sweat.  So basically, if we get preggers on accident, we should go ahead and file bankruptcy?  There is NO WAY we could afford to pay that much money plus the cost of other visits plus the cost of actually raising a child and giving them food, diapers, etc.  AND I would be out of work for a while on maternity leave.  So....to recap.  Pregnant = NO.  We are not pregnant, nor do we want to be.  But it is very scary to think that if we accidently find myself to be "with child" we have zero coverage.  This is a source of stress for me.

SO....I was a little emotionally full and having a melt down.  :(

I talked to my husband while he was on his lunch break, and he was pretty upset as well.  It made me sad because I had no intention of upsetting him or causing him any stress at all.  His reaction sort of put it all into perspective for me.  I was trying to calm him down..

me  "honey, it'll be okay."
him  "baby, i'll take care of it." (like he's in the mob or something)
me  "calm down"
him  "it's not a big deal"
me  "i love you, i'll fix it and work everything out."

Isn't love amazing?  I was upset...I told him what I was stressing about, and he began to stress.  That in turn put me into comforter-mode and I wanted to calm him down and assure him it would all be okay.  In doing so, I calmed myself down because it helped me gain perspective.  Pretty cool, huh?