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No insurance, run around, excuses Bullshit

stuckinthebay's picture

We land in London and BM and BMH are to meet us at our hotel. They are two hours late (late as usual). BM informs H that SD4 Has been complaining about her teeth. BM said she's been giving her medicine, but thinks SD4 just says her teeth hurts for the medicine. BM did not give us anything for the plane ride knowing this information. SD4 doesn't complain about her teeth that night, but we have a flight out the next day in the afternoon. As we are at the airport SD4 complains her tooth hurts. We both examined her teeth and couldn't physically see anything. H buys some ibprofen for kids at the airport to help her for the plane ride. We get home and two days later H has to fly out for work for 3 days. SD4 complains a little bit about her tooth, but doesn't ask for medicine. She knows to chew on the opposite side. We're still trying to figure out if it's hot or cold foods that trigger her pain. While H is gone of documented to him how she's being rude and disrespectful with her bad attude. Walking away from me, rolling her eyes and groaning when she doesn't get what she wants. H comes back and he gets on her for being bad. We buy he oral gel to help with her pain as it seems to be getting worse. One day she cried hysterically that it hurt so H contacted BM about SD4 insurance info. BM will not give H any info but a number to call. BM does make an effort to call the base near us to set an appointment. BM informs H that they just turned in SD4 forms for MetLife and if SD4 goes on base to get checked for her teeth it should be fine. BM says to go in in the morning at 7:30 or wait til her MetLife kicks in on jan 17. So wait..hold the fuck up. The 3 years SD4 has been with them overseas, SD4 insurance was never competed? That tells us that she's never gone in to get her teeth checked. BM knows we don't have access to get on base so we ask my FIL to take SD4. They turn her away. They told FIL that the cannot do anything without BMH SSN, rank, insurance info and that SD4 should have an ID card. FIL calls H and tells him that he's going to take SD4 to his dentist off base. H goes there to meet them. Dentist tells H that SD4 teeth are in horrible shape. She had 4 cavities. Two on top and two on the bottom. One tooth was so bad she said she might need a root canal. HOLY COW!! H spent about $700 and we cannot afford to just drop that much money at that time. H Informs BM about everything and that SD4 needs an ID card. BM tells us that SD4 doesn't need one because that's what BMH said. This all is getting annoying. After all the work they did, SD4 hasn't complained at all. Yay..got that taken care of until....

Xmas eve..we are having a party at our house. Family is all here, Lots of little kids, food, and just about to start our white elephant. Then..my cousin is carrying SD4 to us down stairs. She's crying. No one knows what happened. SD4 was too hysterical to tell us. I question the kids and no one knows what happened. When SD4 finally calms down, she tells us she tripped and hit the wall. One of the older kids I didn't think of asking told us the same things. SD4 was running and tripped on the cord. When she fell she tried to catch herself and hit her elbow on the door frame. It's about 11 pm and we take her to the ER. Here comes the form for billing. We have no info. During all this we are emailing BM what's going on. The ER is understanding and we tell them we will get the info ASAP. SD4 gets X-rays and a sling. She ended up fracturing her elbow. H again gives BM all the info and because it was the holiday weekend we would have to wait til Monday to be seen and get a cast. BM tells us again, we have to go on base because it's 30 mins away. She says to go to the ER so she can be cast quicker. Again, she tells us everything is set up and to just go. We make arrangements again for FIL to bring SD4 to get checked and get a cast. H also takes it a step further and calls the base asking what does he need since she has TRIcare but has no info. They told him they need BMH SSN, rank and SD4 needs an ID cuz that'll make things easier. H calls BM and tells her again on oovoo he needs this info and if she doesn't want to give it to him then to call the hospital and work it out with them. BM says she'll call after 7 pm cuz that's when they get free calls. WTH?! BM provides FH with SD4 DOD #. BM emails H and says that they filled the forms and everything is set up for SD4 to be seen and that she can get an ID. No shit! FIL takes SD4 to get her ID and what do you think happened? Then ID place says they don't have anything. FIL calls H, H calls BM. H even calls BM directly on his cell overseas with the number she provides cuz it was really important. Turns out the number she gave for their house wasn't working. H calls on oovoo again and BMH answers. H tells him they need to contact the ID place and take care of it. BMH says "I'm not gonna call, but I'll send an email". Wtf. H gets and email to give to BMH. FIL said that in BMH email, the Woman helping him with the ID said that BMH didn't even explain anything in his email, he just gave a number. They printed the ID with all the info we needed besides the SSN. FIL takes SD4 to the ER and they decided that surgery would be best. Me and H get to the base right away, get sponsored on and get to the hospital. They put two pins in her elbow and give a sling again. No cast yet. We stay over night with her. She is scheduled to be seen again in a week so we get a month pass for the base.
All this unnecessary trouble to get what we needed in the end. All the back and forth bullshit when my SD4 was in pain. They are the ones with the tricare and full access to what they need and they never took her to get her teeth checked. BM tried to tell H that she wouldn't need to be checked while she's stateside with us because her annual check ups will be with her. Well why the fuck didn't her teeth get checked!? Oh it's because they never competed their forms for MetLife. And we had an emergency!

All this negligence from them plus her bad attitude is making H consider going back to court.

I'm also referring SD as 4 because she was 4 at this time. She just turned 5 for anyone who read my last post.

Comments

stuckinthebay's picture

Right now it's 50/50. BM gets 6 months, H gets 6 months. BS parenting plan. H offered originally to provide insurance as he always did, but when BM got married and requested to move, BM said that they will provide insurance since it's free and her husband is in the military.

Cooooookies's picture

She sounds insane and that is an insane schedule to follow between 2 countries!! What are they going to do when SD starts school? Your DH should really consider changing the parenting plan.

SilverPetra's picture

Isn't this borderline negligence? That poor little girl. I agree with Sanecatlady. Get her under your DH's insurance, asap. Then think about changing custody....very carefully....she sounds like she might be rather a handful at the start!!

Good luck.

Disneyfan's picture

What in the world were those kids doing for that child to hurt her arm that bad???? You guys are lucky that the doctors didn't call CPS.

As long as this nutty custody plan has been in place, how can dad not have had insurance info/cards for the kid? She's witn each parent for 6 months. It's hard to believe that that much damage was done to her teeth in just 6 months. If dad wasn't taking the kid to the dentist during his 6 months, then both parents are at fault.

Thank goodness this nutty custody plan ends soon. Both parents need a good kick in the tail.

stuckinthebay's picture

As I stated, she tripped and fell. CPS wouldn't be called because docs said it's common. SD4 was alone and she and as if she's an animal. Literally. H didn't put any blame on BM although the she thought he was blaming her. But BM brushed it off when SD4 said she was in pain. And I also stated that BM gives us the run around all the time with insurance. She felt H didn't need it because SD4 will be with her for check ups.

Disneyfan's picture

That doctor sounds like a nut. A four year old needing pins for an injury isn't common. That is just as alarming as that poor baby needing a root canal. Mom giving him the r6n around is no excuse for him not having insurance for a kid he has for 6 months a year.

You said that one of the kids confirmed SD's story. If SD was alone when she got hurt, how does the kid know what happened?

He could have applied for medicaid or added her to his insurance at work. Heck, there are even free/low cost clinics that provide basic dental care. If neither parent took that child in for routine dental visits, then they are both at fault for your teeth being messed up.

twoviewpoints's picture

It's incredibly naïve to believe a child will only need to ever go to a dr basic yearly physical. To never need medical attention? That's not realistic.

Your DH is as much at fault as BM. 1) he went along with the silly idea and dropped the coverage he had been carrying for the child 2)he willingly flew away with the child without assuring he could easily obtain medical treatment with no proof of coverage (insurance id) and no thought to where and how/procedure.

I'm glad for the child that the grandfather took her to his dentist while everyone else stood around scratching their heads. I sincerely hope your husband reimbursed GPa.

You and Dad learned the hard way. Kids are kids. They get sick, have accidents, emergencies blah blah. The kid survived herself and her unprepared parents. She'll be fine. Now for Mom and Dad to work together to assure the correct needs are in place and ready to roll smoothly. Six months with one parent then six months with the other has got to hard enough on a child so young... she doesn't need unprepared parents on top of it.

You live and learn. Now get it fixed.

stuckinthebay's picture

I stated that H paid for the dentist and once my FIL took SD off base, H met them there.

stuckinthebay's picture

As I stated, we already got the 30 day pass thanks to my FIL. FIL is a very busy man which is why it will be more convenient for us to take her somewhere off base that takes tricare so we don't have to track FIL down. As urgent as the situation was, everyone coordinated to get it done. My problem was BM and BMH not trying to help. They should've provided the ID for us, but my FIL had to do it. They wanted to take the responsibility to provide insurance and they give us very little info because they think she only needs to be seen with them. They only wanted to give info during emergencies but not to us, only directly to the hospital.

Disneyfan's picture

Mom's husband is the one in the military, right? If so, it's possible he took the same stance on this that many SMs who provide insurance fir their SKs take. They are handing information over to BM. Instead, they call the provider and give them the needed info.

I think the way mom handled this is pretty typical in step situations. It just sucks when you are at the mercy of the people who actually provide the coverage.