Insurance help!

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merickson's picture
Joined: 06/21/11
Posts: 180
Insurance help!

So I have applied to a few insurance carriers and finally got one to consider me to find out that pregnancy wasn't covered, but they never even asked about that in the pre-existing condition section of the application. The state health insurance plan is like 2800 max income and we are well over double that, and a single doctors appointment at everywhere we've called is anywhere from 1000-1400. The agent I talked to for help on getting insurance told me "The good news is that once you go into labor the emergency room can't turn you away" The problem with that is with my last daughter I had pre-eclampsia and she was a c-section, so I don't see that working toward the health of me and the new baby. Does anyone have any suggestions?

turtnjay's picture
Joined: 02/24/09
Posts: 2095

Can you use a health clinic?

Also, it sounds like the insurance plan you looked into just did have maternity coverage, which many don't that are private pay.

You really have to search. Try a google search for your area and put individual maternity insurance or something to that affect.

If that doesn't give you anything ( and I will warn you, it will be expensive!) then try to find a health clinic. They are usually low cost and typically aid low income families but you'd be able to be seen.

merickson's picture
Joined: 06/21/11
Posts: 180

I definitely made sure they had maternity coverage, I applied for several carriers too. It looks like I can get insurance through my work once open enrollment comes but that isn't until January which may be too late. They woman in HR suggested I get a divorce because it's a 'life changing even' and can help us get around the open enrollment to get it immediately and they claim there is no pre-existing through our group plan. So this almost seems like a good option, but then I have to get a divorce and that makes me pretty sad.

Renee595's picture
Joined: 12/09/05
Posts: 307

Depending what state you live in almost all of them have state health plans beyond Medicaid. Here in NJ we have NJ Family Care, they cover children and women expecting babies. Most states will not allow children and pregnant woman to be uninsured. If worst comes to worst look into a federally qualified health center or community health center they get grants to treat folks that are uninsured or underinsured free of charge.
Good Luck to you!

clio's picture
Joined: 11/05/07
Posts: 590

"merickson" wrote:

They woman in HR suggested I get a divorce because it's a 'life changing even' and can help us get around the open enrollment to get it immediately and they claim there is no pre-existing through our group plan. So this almost seems like a good option, but then I have to get a divorce and that makes me pretty sad.

And having a baby isn't a life changing event???

I'm sorry--I can't help. I'm Canadian and all of what you write is extremely confusing to me. But to have to get a divorce? That's crazy!

merickson's picture
Joined: 06/21/11
Posts: 180

the birth of a child is life changing but only allows me to get insurance after the fact, pregnancy apparently isn't life changing enough. I looked into the state medicaid for pregnant woman and that's the one that has the 2800 max monthly income, which really doesn't seem like very much money at all.

JuneorJulyBaby?'s picture
Joined: 10/20/08
Posts: 2479

I would get in touch with your public health department and I am sure they can lead you in the right direction. Are there any pregnancy crisis centers in your area? They might have some information too. Good luck :bigarmhug:

Joined: 03/31/11
Posts: 119

If it's any consolation at all I have paid for mulitple babies without any insurance or medicaid. It can be done, and here locally our hospital always made a deal that if you brought in X amount of money and paid before you left you get half price. We are also pretty low income if you count up our dependents. We don't make what you do Wink The only child I've had any help with is my first (I was 16 and used Medicaid). The others have all been self pay. It hasn't been easy, but it's been worth it.

Another option would be to find a faimly practice doctor that also does OB/GYN stuff. This kept the cost down for me, as the family doctors are usually more affordable than a OB/GYN.

Are you in a VBAC friendly state? You could try for that. Also look into the Brewers diet. It helps prevent pre-e. I've been border pre-e with 3 pregnancies, but when I switched to a good carb/ high protein diet, I've not had any pre-e symtoms at all. Low glycemic foods are the ones you want!

It's very stressful, I know.

Renee - we live in a very family friendly state (utah) and there is not family health plan offered! They do have a program for the children (as in already born, children) but not for pregnancy. How cool your state has something like that!

merickson's picture
Joined: 06/21/11
Posts: 180

Good news finally! We found a clinic that will do the whole prenatal and c-section for 4400, which seems like alot still but they are letting me make 7 payments of like 605ish, I have to meet with the gal in billing to discuss the exacts but that's definately reassuring! Thanks for everyones advice, and my first official appointment is July 12th!

lesleynka's picture
Joined: 04/26/11
Posts: 1845

Glad to hear you found something!!

I was just going to add: Idk what state you are in, but in CA they have something called AIM. It is above the state benefit & you have to make more money to get approved. You only pay a one time fee based on your income. Here is the site for AIM in CA. You may be able to find something like it where you are.

http://www.aim.ca.gov/Home/default.aspx

Joined: 03/31/11
Posts: 119

"merickson" wrote:

Good news finally! We found a clinic that will do the whole prenatal and c-section for 4400, which seems like alot still but they are letting me make 7 payments of like 605ish, I have to meet with the gal in billing to discuss the exacts but that's definately reassuring! Thanks for everyones advice, and my first official appointment is July 12th!

That is NOT high. That is very cheap. I paid about that much for each vaginal birth. About 2/3 went to just the hospital, and the other 1/3 went to my doctor. That seems like a great deal!