(Closed) Timing TTC and health insurance

posted 6 years ago in Pregnancy
Post # 3
348 posts
Helper bee
  • Wedding: October 2013

I would seriously recommend waiting to TTC until your insurance is effective.

1. You should have a pre-pregnancy appointment with your doctor and OBGYN to let them know about your TTC plans and have the check you out first to see if there are any issues that you should be aware of or deal with.

2. Is it really that big of a deal to wait just one more month? Seems like way too big a risk to take.

Post # 4
192 posts
Blushing bee
  • Wedding: April 2012

Yes they probably will. When I was looking into Short Term Disablity I kept running into this. The policy specifically says that unless you can prove conception after Sept 1, then they are not liable to cover if you have a baby before the 40 week mark. So I would assume that health insurance is probably the same (though…I thought the ACA said that they couldn’t exlude pre-existing conditions any more). I would call the insurance company and find out for sure what their policy is.

Just to be on the safe side, I would wait.

Hope This Helps

Post # 7
18 posts
  • Wedding: July 2013

I’m a welfare caseworker, so my specialty is with Medicaid, not private insurance, but I can tell you the pre-existing condition changes with the Affordable Care Act don’t come into play until 2014.

Personally, I’d advise waiting until you know you are covered.  But if you do conceive before that magic date, there are always a few options.  

1) Midwive services – my area (Philadelphia) has a midwives practice that offers sliding scale prices.  they are full accredited Nurse-midwives (a specialty nursing masters degree and I’ve heard nothing but good things about them).  You could check if there is something similar where you live.

2) A Pre-existing condition insurance plan.  It looks like your state has one http://www.healthcare.gov/law/features/choices/pre-existing-condition-insurance-plan/il.html

3) Medicaid – I have no idea what your financial situation is, but there are different income limits for medicaid for a pregnant woman.  If you are ineligible for ongoing coverage and find yourself delivering without insurance, there is also a program called “Spend Down”.  If the monthly income limit for 2 is $2000, your income is $4000, and the medical bills for the month are $10,000.  You would pay the first $2000 to “spend down” your income to the limit.  Medicaid would cover the rest.  (If anyone is tempted to jump in and talk about government spending and socialism, please take it to a more appropriate forum somewhere else.  Programs like spend down are exactly what SHOULD exist.  Temporary help for people who honestly need it.  Not ongoing benefits that people milk for generations…  temporary help to keep a mom and baby healthy. )

Post # 9
772 posts
Busy bee
  • Wedding: December 2011

I just want to point out how ridiculous it is that we as women have to worry about pregnancy getting labeled a pre existing condition.  No other western, developed country has the kind of horrible private insurance system as the US.  

Good Luck!

Post # 10
10367 posts
Sugar Beekeeper
  • Wedding: September 2010

If you aren’t sure you will have a stable enough job to have the insurance pay for delivery in 1 year’s time, and would have to time a pregnancy so that you had a pre-existing condition, shouldn’t you wait until you have a more stable job/seek out a longer term job?

Post # 11
10367 posts
Sugar Beekeeper
  • Wedding: September 2010

@justelope:  one million percent agree!!!

Post # 13
963 posts
Busy bee
  • Wedding: August 2011

PPs have given good advice about pre-existing conditions. As unfortunate as it is, I normally think of it as: “if the insurance company can find a way to not pay, they will”

Since you’re worried about not having coverage when you deliever, have you looked into using COBRA to extend your insurance? It’s not cheap, but it’s better than being uninsured.

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