Insurance sucks!

So since my last post so much has been going on. After confirming pregnancy I decided that I needed to look up the hospital and doctors on my insurance plan so I can have a clear view of where I needed to go. Well I went to the website and typed in Kentucky Hospital. I got 0 results that came up so I tried specific cities and still nothing. When we purchased the policy it was rough to find one with a hospital that was in network and in Kentucky since that is where I need to deliver. This one seemed so perfect because when she put in my address the hospital that came up was there. Well I decided there must be something up with the website so I called the number on my card. The woman on the phone worked with me and searched for a hospital any where in the state. She couldn't find anything either and concluded they must not carry any policies in Kentucky therefore there is no coverage in that state. Of course I relayed all the information to my agency so they could check it out. What they found out, through the broker who helped us purchase the policy, is that after we got it the network for the company changed. Apparently they are allowed to do this with no notice. So now we have the dilemma of insurance that will cover my OB here in network but the hospital and OB in Kentucky would be out of network therefore costing almost as much as it would without insurance and they would have to pay a monthly premium. Needless to say now our plans have had to change again. We are still making them but I will no longer see the doctor here in Clarksville instead I will see one in Hopkinsville KY. So they can get one price for a doctor and not try to deal with two separate places. In the mean time I had my first appointment here, with a doctor I probably won't see again. They told me that a VBAC is not an option at all so I would need a repeat cesarean. In Ohio my OB told me if I waited a year between pregnancies they would try it if that is what I wanted. That is not the case here but we will have to see what the new doctor says about it. I was really wanting to try to deliver vaginally. In vaginal the labor is long and hard but the recovery is so much easier. With C-section the delivery is planned, which I love, but is rough and recovery really sucks. I will go with whatever the doctor thinks is safest but I wanted to at least consider both options not just be told that it will be a cesarean. I am 9 1/2 weeks now so almost out of the first trimester. My body is already starting to change. I am due in November so happy Thanksgiving!