Pregnant and no health insurance

posted 2 years ago in Pregnancy
Post # 16
Member
3543 posts
Sugar bee
  • Wedding: June 2016

Private insurance options are going to depend on where you live. Which state are you in?

Post # 18
Member
1285 posts
Bumble bee

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mrsrod7 :  Well, I stand by my original point that insurance companies are going to vary by state.  In my state, the most popular insurers are Blue Cross Blue Shield, Humana and United Health Care.  I just googled “short term medical plans” and there is a site in my state where you can fill an online questionaire and get quotes.  It seems like the big 3 I just mentioned all provide short term plans in my state.  That can get you covered until open enrollment you can apply to be put on your husband’s plan the following year.

Do you not have a job anymore since you said you always got insurance through your employer?

Post # 20
Member
343 posts
Helper bee
  • Wedding: June 2014

Look into healthshare ministries. They may view the pregnancy as a pre-existing condition though.

Post # 21
Member
1285 posts
Bumble bee

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mrsrod7 :  I have Blue Cross Blue Shield and have always had luck with them.  Most of my coworkers have been happy with them as well.

Post # 22
Member
1288 posts
Bumble bee
  • Wedding: June 2017 - A vineyard

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mrsrod7 :  I had Florida blue for a few years. I didn’t have many issues with them EXCEPT they loved to screw me over with my monthly premiums. Especially at the begining when we were trying to change over to autobilling. They double dipped and there was a whole annoying thing trying to get it back.  But other than that stupid crap I was okay with them.

I found I had good coverage where I lived and because I picked a high priced plan because I go to the doctor alot my actual doctor bills weren’t high. I think I signed up with them because I turned 26 and got kicked off Tricare… Can’t hurt to give them a call though and see what they say?

Post # 23
Member
374 posts
Helper bee

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mrsrod7 :  It appears to be state specific but I think you have to try applying for medicare and/or chip, get that rejection letter. (Yes, I know you won’t qualify). According to the affordable care act website, that rejection letter may qualify you to buy through them outside of open enrollment. Another option is to pay cash and go through a midwife/birthing center. No epidural and not great if anything major happens.

Post # 24
Member
6421 posts
Bee Keeper

I’ve never heard of not being able to add a spouse when it’s not an enrollment period.  My husband and I married in May and I added him to my insurance even though open enrollment was in November for us.

Post # 25
Member
335 posts
Helper bee
  • Wedding: August 2015

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pinkcorsage :  There’s usually a time limit – you have to add the new party within X number of days of a life event (birth, wedding, etc.).  Given the financial model of insurance, they can’t have you just avoid paying premiums when you’re well, then add the insurance when you have medical expenses and expect them to pay.  So no company would logically allow someone to just not pay for insurance and then quick add it after getting pregnant and expect to have all the expensive prenatal care bills covered.

Post # 26
Member
592 posts
Busy bee
  • Wedding: March 2019

You work for a law firm… is there an association you might join? Bar associations, paralegals, and admin professionals all have natonal associations that often offer group insurance to their members.

Post # 27
Member
6421 posts
Bee Keeper

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professorplum :  but her husband would be paying the difference in insurance I would have thought?  When I added my husband my premium changed when we got married and I had to pay more.  I guess I just find it odd that she can’t be elligible as long as her husband is paying more in the premiums.

Post # 28
Member
3176 posts
Sugar bee

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pinkcorsage :  Typically in the US, an employee has within 30 days from the qualifying life event to make changes to insurance. Within 30 days of the birth of a child, 30 days from the date of the marriage, 30 days from the loss of a job, etc. Outside of this qualifying life event, the only time you can add a spouse is during open enrollment. Pregnancy isn’t a qualifying life event. 

Yes, her husband would be paying the difference in premium, but that would happen after she enrolled, which she’s not eligible for right now. 

Post # 29
Member
6421 posts
Bee Keeper

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MRSsrm85 :  oh of course I’m thinking they just got married!!!  That’s why I was so confused on why he couldn’t add her.

Post # 30
Member
3176 posts
Sugar bee

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pinkcorsage :  It looks like she was going to go without insurance until she was pregnant. She was woefully misinformed. 

OP, I’m sorry you were misinformed. Back before Obamacare, I was on a great private insurance. I don’t know if they are around anymore. It was around $300/month (2009-2012), which my employer reimbursed. To add the pregnancy option would’ve added an additional $500/month that I would have had to pay for myself, and I had to add that before I got pregnant or else I would be ineligible as pregnancy was a pre-exisiting condition back then. I hope you are able to find private insurance that will help out with the cost of the pregnancy, and labor and delivery. 

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