Post # 1
so I’ve asked for advice here before about insurance, but i thought i had it all figured out. I’m covered under my parents and they insisted that we had maternity coverage. so i didn’t question it. I simply trusted them, until i started to ask specific questions and they had no idea what i was talking about. I called this morning to confirm with my insurance agency (which I should have done earlier, but since I’m not the policy holder it makes things more difficult) we don’t have maternity benefits and i’m 7 months pregnant. I just started to cry. anyone have any suggestions on what i should do. and also has anyone used kids connection? (ps. sorry that i’m not using proper grammar. I’m just not in the mood too)
Post # 3
Have you been seeing the doctor? What’s been happening to all of your doctor bills so far? They’re just hanging out there, unpaid?
The first thing I would try is to apply for Medicaid at your state office. Requirements vary by state, so you might not qualify, but if you do, they basically pay everything for your pregnancy and labor/birth. (You can also Google your state requirements online because in some states having any insurance at all excludes you from from applying.)
The other option is to ask your doctor’s office about setting up a payment plan. Many offices will do a reduced cost for payment plans, so you might not have to pay full price. Explain the situation to the billing person at your doctor’s office and see what you can come up with together.
Hugs. Sorry this is happening, dj. I’m sure it’s difficult and stressful, so try to take time for yourself and stay as calm as you can. I hope it all works out soon.
Post # 4
@Mrs. Spring: I totally agree with everything you’re saying.
The one thing that you can do is immediately apply for CHIP in the state you live in for your baby to be covered for well visits.
Since you’re on your parents’ health insurance now, is there any way they might be able to help you out with the cost of the birth? Have you thought about a water birth with a midwife? They’re often less expensive than giving birth at a hospital setting.
Post # 5
@Mrs. Spring:@2PeasinaPod: totally agree!!!! Medicaid, if you can get it, will cover any and all conventional treatment… And if a midwife is an option for you they are SIGNIFICANTALLY less than MDs & hospitals… only a few k for full pre-natal & birth care as opposed to the 10k+ hospital fee for completely normal birth.
(((Hugs))) for the stress for sure but it’s definitely not hopeless 😉
Post # 6
Just another voice for the midwife route. The ones I’ve looked into have been around 5-6K as opposed to a birth in a hospital which could easily run 15K +.
Post # 7
Medicaid Medicaid Medicaid!!!!! Contact your local Job and Family Services type office!
Post # 8
We have been seeing a dr. but they have like a package we have to follow so we just get billed after the baby is born… we’ve been making a few payments here and there. unfortunately we make just 200 dollars over the requirements for medicaid, we tried that option in the very beginning.
Whats CHIP? I’ve never heard of that before.
And I would consider a birthing center, but the last ultrasound I had they said my placenta was low so if it hasn’t moved up by next thursday (next ultrasound), I’ll have to have a c-section. my parents aren’t in a good position financially so they are unable to help us, we make ok money so its just something we will have to figure out.
Thanks for your advice, I truly appreciate it. My husband says it’ll be fine, we will just make payments and they will have to be ok with that… but its soo much money.
Post # 9
@dj: I like your DH.. he’s absolultey right! Don’t worry about it.. do what you can in the payments and just know that you have him and you two and your new baby will totally make it through 😉
Goodluck girl! Sounds like you and your DH have a great foundation and right perspective in starting ya’lls new family!
It IS possible and it WILL work out!
From what I understand CHIPs is state ins that you can get to cover your kids.. once the baby is born you can reapply to Health/Human services and get either medicaid or Chips to cover the baby. The only thing about it is if you have anything against immunizations you would not want to go that way b/c they require that the child has them.
Goodluck and (((hugs))) again! I’ll be praying for you, your marriage, and that awesome little baby in this time! =)
Post # 10
Sorry you didn’t qualify for Medicaid. Like @runsyellowlites: said, everything will work out! Praying for you guys!
Post # 11
thanks ladies, I just really needed some moral support to get through today. I’ve been searching some options on the internet basically all day, I’m going to try and apply for medicaid even though we are just above the requirements. maybe we will get lucky 🙂
Post # 12
- Wedding: September 2011 - Epworth UMC & Ward Pavilion
Just an FYI, if you have any money saved up and can afford to pay for the birth up front, it can save you TONS at the hospital. They are willing to work with cash patients because they know they will get paid and you won’t skip out on the bill. I would call the hospital you are planning to deliver at and talk to them about your situation. I was not insured when I had my daughter and talked to the hospital and paid up front and my delivery only cost $2,000 to the hospital, and that included pain meds etc for after the birth and an overnight stay (but not the epidural which was an additional $700.)
A lot of times they will have a state program or a hospital program you can enroll in to lower the costs as well. Just call their maternity intake phone number and talk to someone. Honestly, hospitals see this kind of situation all the time and will be able to help you.
Post # 13
@dj: Good luck! I’m sure everything will work out in the end.
Post # 14
I am also dealing with insurance issues. I’m self-employed and had insurance thru my college that runs out Sept 23rd and baby is due Oct. 8th.
If you do you qualify for the government stuff like Medicaid…I would suggest doing what we did: Find an insurance broker who can help you look into your options. There are ways to buy individual insurance and the broker can help you find the most affordable deal with the coverage you need.
One option to consider is getting insurance to just get you thru the delivery. You will need medical coverage for your baby….but right now you want to make sure that you can get your hospital stay covered and that can be a few thousand dollars. If you can’t afford a couple hundred monthly outta pocket in the long run..maybe you can afford to pay that for a few months until the baby is born.
Post # 15
You could check with a crisis pregnancy center. We have one here that works with you to arrange all prenatal care.
Post # 16
check with your state they may have a medical program that you can enter. i live in oregon so ours is the Oregon Health Plan but check with your state to see if that is possible. if you can qualify then you will have high priority because your pregnant. if that does not work check with the hospital and/or medical center that you are going to if they have some sort of charity care application that you can fill out what that is is basically submitting some paperwork to the goverment and the hospital explaining your situaltion and asking them to help you. a lot of the times if you get approved it willl reduce the cost byabout 90% those woudl be my reccomendations for ya hun. i understand what it feels like to be in your situation and i wouldnt wish it on anybody.