(Closed) can’t get much worse. help!

posted 7 years ago in Babies
Post # 3
Member
6009 posts
Bee Keeper
  • Wedding: May 2009

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
Member
5977 posts
Bee Keeper

@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
Member
5654 posts
Bee Keeper
  • Wedding: April 2011

@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
Member
2288 posts
Buzzing bee
  • Wedding: November 2010

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
Member
2192 posts
Buzzing bee
  • Wedding: November 2011

Medicaid Medicaid Medicaid!!!!!  Contact your local Job and Family Services type office!

Post # 9
Member
5654 posts
Bee Keeper
  • Wedding: April 2011

@dj: I like your Darling Husband.. 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 Darling Husband 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
Member
3587 posts
Sugar bee

Sorry you didn’t qualify for Medicaid. Like @runsyellowlites: said, everything will work out! Praying for you guys!

Post # 12
Member
190 posts
Blushing bee
  • 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
Member
6009 posts
Bee Keeper
  • Wedding: May 2009

@dj:  Good luck!  I’m sure everything will work out in the end.

Post # 14
Member
1032 posts
Bumble bee
  • Wedding: August 2009

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
Member
1774 posts
Buzzing bee
  • Wedding: September 2009

You could check with a crisis pregnancy center.  We have one here that works with you to arrange all prenatal care.

Post # 16
Member
927 posts
Busy bee
  • Wedding: April 2014

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.

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