Post # 1
I don’t currently have any insurance. I am getting married in a few months and was planning on waiting until then to join Fiance insurance. I have looked into insurance policies that barely cover anything, high deductible, and ok monthly payments. When how much I’d have to cover out of pocket paying for short term insurance and going to the dr would cost more so I decided to just wait. I did apply for medicaid but I haven’t heard anything back yet and I think Fiance makes too much money for us to qualify. I just wanted it because it is retroactive and was hoping to have it atleast help us out a little with all the tests we have had done already. For some reason dr visits and blood work cost more in this part of the state compared to the other side where we are originaly from.
They keep rescheduling our appointments because I don’t have insurance yet. And basically treating us like crap and making me feel bad. Each visit has been mostly us explaining why we don’t have insurance, what our options are, what we are doing to pursue insurance and when we think we might be getting some. I understand their concern but two of our appointments were two days apart and we got grilled both times about if we had insurance yet. I have gone there before without insurance and paid my bills on time and in full. I don’t like being treated differently. At least don’t make it so obvious. *I say we because Fiance goes to appointments with me, he is insured but I am not.*
So I cancelled all future appointments (which was a headache in its self because I had to talk to certain people because I didn’t have insurance WTH?) and am putting my ultrasound on hold until we have straightened insurance out. I know that probably sounds bad but we probably owe them over $1000 for 3 simple visits (one did include blood work).
Fiance and I are waiting for his scattered brained dad to “find” his birth certificate (which he has already had replaced SEVERAL times because he lost it) so we can get a marriage license and have a JOP marriage. We are still having our big wedding since we have paid over half and it none refundable and I don’t care what any nay sayers in my family have to say. This is about our baby and our baby alone. We don’t plan on saying anything but if my big mouth sister/MOH finds out she’ll tear us apart to every person she can.
Also I will NOT be going back to that same dr. In fact we are looking into a midwife.
Sorry for the vent girls, anyone else experience a similar situation?
Post # 3
If you aren’t married yet, you should be abble to apply for medicaid on your own, separate from your Fiance. You might qualify until you get married, when you can be added to his insurance.
It’s awful that you are treated poorly because you aren’t insured. I hope it works out for you. Maybe look for a different obgyn office.
Post # 4
i would definitely run to the JOP if i were you. i can’t believe your doctor treats you that way. is there a clinic near you for uninsured patients? or you could always go to planned parenthood.
Post # 5
Hi, so sorry to hear you’re being treated poorly. Have you tried going to a Planned Pregnancy clinic? They offer MANY services (beyond what they are known for) and might be able to offer you low cost or even free help. It’s worth looking into.
Post # 6
I agree with the previous poster, you don’t want to put his info when you are applying for medicaid czu you aren’t married yet
Post # 7
@JrzyGurl: planned parenthood. that’s where I went until I turned 18 to get my bc and it was free
Post # 8
Can your Fiance not order a replacement birth certificate rather than having to wait for someone to find it? That way you can get your JOP ceremony done as quickly as possible.
When I was uninsured I had to pay out of pocket but they gave me a discount for paying in full at the time of service. Are you guys paying any amount towards your visits? It’s probably their procedure to have to check on insurance if they’re not recieving any payments.
However, I’ve found that most doctor’s offices are usually overbooked and tend to lack any tact when asking questions because they need to get things done as quickly as possible, so it’s probably not your lack of insurance but rather the nature of the medical system now.
Post # 9
mrstilly Well I considered applying for medicaid by myself but since Fiance and I live together I HAVE to add him. It said you have to add anyone who lives in your home. I sat there looking at the application and considered the possible consequense for lying and decided that since I don’t like getting in trouble I’d follow the rules LOL. They supposedly have a program pregnant women with too high of income.
kitzy I am thinking that is what we are going to do. I really don’t care what people think of my decision because its one that is best for our baby.
JrzyGurl & kitzy I hadn’t considered planned parenthood. This might sound ignorant but I assumed that if I went there with an unplanned pregnancy and no insurance that’d they’d assume I didn’t want the baby or that they would pressure me into looking at other options such as adoption. We want this baby we were going to start trying right after the wedding but SURPRISE! I might go look into it though.
Post # 10
Are you sure you have to have a birth certificate to get your marriage license? All we needed were our driver’s licenses.
Post # 11
It sounds bad, but going to places like panned parenthood and telling them you don’t have insurance they will give you so much crap for free. Ultra sounds, blood work, everything.
Post # 12
camrie I guess he could order a replacement. If his dad can’t find it by Thanksgiving when we are visiting our families then I think we will pursue that.
I asked them how much our visits were going to be so I would have an idea on how much I’d be spending. The lady told me not to worry about it since medicaid is retroactive and to just wait and see if I get approved. I have not recieved any bills yet, but I do have a lump sum set aside that I am hoping will cover what we owe (based on how much previous visits have been).
Post # 13
Twista In our state we need certified copy of your birth cert. with you drivers license.
KaitlinHudson Really? Wish I had known that while we are trying to straighten out our insurance issue.
Post # 14
- Wedding: April 2010 - Wyndham Sugar Bay Resort, St. Thomas
I know I was able to order a copy of my birth certificate online through the county (I was born in) website and I think it was only $12. No reason to wait around for his dad to find a copy he has!
And I used to go to Planned Parenthood for my yearly exams and free birth control when I was in my early 20’s and didn’t have any health insurance. It’s really a great resource.
Good luck sweetie!
Post # 15
@Engaged_With_Love: I can’t believe I wrote the name wrong, Planned Parenthood drrr…
but yes def look into them. They would NEVER pressure you to give the baby up. It’s a shame that there are so many bad ideas about them. I understand if one doesn’t support abortion, but PP is actually a great resource for all women – prochoice or not. It’s a shame so many people don’t support them when all they are doing is giving great health care to all women. I can guarentee they’ll take great care of you and will treat you right.
Post # 16
@kitzy:Re: the suggestion of looking into a clinic for people w/out insurance- generally, clinics who serve uninsured or underinsured patients will NOT see pregnant women because if you meet the income guidelines for the clinic, they assume you will be eligible for Medicaid, so they refer you to other care as soon as you’re pregnant. (For the same reason, very few clinics like this will see children- they’re assumed to be covered through other sources).