Pregnant and no health insurance

posted 2 years ago in Pregnancy
Post # 46
Member
5362 posts
Bee Keeper

I think Planned Parenthood has prenatal visits…so not ideal but perhaps that can fill the gap for well baby checks? 

Post # 47
Member
711 posts
Busy bee

Planned Parenthood is a great idea, OP. Even with insurance there are so many visits/genetic tests/blook tests to do while pregnant I would try to find some sort of coverage or see what Planned Parenthood can offer you.

Post # 48
Member
2763 posts
Sugar bee
  • Wedding: November 2013

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mrsrod7 :  ‘Kay I was in your shoes about 2 years ago – pregnant and no health insurance. So…yes, you will qualify for a special enrollment period, thank you Obamacare, once the baby is born and the insurance (you pick) will start on the baby’s birthday. So all of your hospital bills (including Labor and delivery provided you actually deliver the day you are admitted) will be covered. Before Obamacare most insurances required you to be a member for about 1-2 years BEFORE they’d cover pregnancy, labor and delivery costs. Also, Don’t be like me and go for 41 hrs of labor of which I had to pay the first 24 hrs out of pocket (sigh).

Prenatal care, thank you Obamacare, would have been 100% covered by your insurance as well. However, it’s not incredibly expensive provided you have no complications and a very boring pregnancy so call around until you find a doctor/clinic that offers self-paid discounts. All in all you’re probably looking at around 3K for prenatal care if you have zero complications. 

If you’re a very low risk patient (super healthy, normal test results, under 35) you could even look around for a birth center in your area. Midwives in birth centers are pretty inexpensive compared to OB/GYNs.

 

And finally, the next time you have an election in Florida just remember this experience. It may impact the way you vote. 

ETA: yep, check with your local PP and see if they offer prenatal care. They don’t where I live but they might in FL. Again, remember who wants to defund PP when the next elections are held in your state.

Post # 49
Member
1998 posts
Buzzing bee

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Horseradish :  Not really true. In Canada, OP would have been contribuiting via taxes to her health insurance. Whether in Canda or the US, you still pay for your health insurance- either as part of your taxes or from a private company. 

The issue here is that OP didn’t sign up in the correct time frame for insurance. She hasn’t been paying into an insurance plan (like she would be in Canada from her taxes). 

Regardless of different opinions on the US healthcare system, OP’s situation isn’t result of US politics. She was elligible to enroll in a healthcare plan and didn’t, because she wanted to wait to until she was pregnant. That isn’t how the whole premise of insurance works. You can’t just join when you need care, and not pay into it when you don’t. I don’t think you can just tell the canadian gov’t “hey, dont think I want any healthcare this year, so I am not paying that part of my taxes. If I need coverage, I’ll pay then.” Same in the US. 

At this point, OP needs help from people who know a lot about procuring a private plan, especially in this situation. saying ‘oh if you lived in canada this wouldnt be a problem, and we need to vote in different us politicians” isn’t helpful. 

Post # 50
Member
4175 posts
Honey bee
  • Wedding: August 2012

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italianbride0508 :  …except every Canadian gets healthcare, including children who don’t pay taxes, so your point doesn’t really work. 

I get what you’re saying: you don’t only pay for insurance when you need it, the entire point is to have it so it’s there in case you need it. But the Canadian tax and healthcare system aren’t really a valid  point of comparison.

Post # 51
Member
941 posts
Busy bee
  • Wedding: August 2016

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Horseradish :  100% agree and your point could not be more relevant. Yes, OP was woefully misinformed about how insurance works (as she now well understands), but NO ONE should be uninsured in the first place, whether or not its in the case of OP who initially chose not to be, or the millions who cannot afford to be.

Post # 52
Member
7501 posts
Bumble Beekeeper
  • Wedding: October 2014

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italianbride0508 :  we can do two things at once. The OP’s current predicament and the country’s bad-and-getting-worse health care system are not mutually exclusive. Perhaps seeing a middle class, employed mother-to-be struggling to get health care will demonstrate to others that this isn’t a problem affecting just the poor or the lazy.  We should be talking about health care every chance we get because sooner or later, it’s going to affect us all. 

Post # 53
Member
9763 posts
Buzzing Beekeeper
  • Wedding: August 2012

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MrsHarryDresden :  I don’t think this is correct information. The insurance company is not going to pay for the birth of a child after the fact. Maybe you got lucky and it slipped through in your case, but this is NOT the norm.

Post # 54
Member
1998 posts
Buzzing bee

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saratiara2 :  Yeah, I wasn’t trying to say that only tax payers get healthcare in Canada. Obviously kids don’t pay taxes and still recieve healthcare. But for the majority, you pay taxes that go towards healthcare for everyone. So even if you personally aren’t, someone else is contributing towards your healthcare, indirectly. 

The point I was moreso trying to make (which you did, too) is that you can’t just start and stop insurance when you need a payout. 

Post # 55
Member
1998 posts
Buzzing bee

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Horseradish :  Okay, maybe in theory. But I have seen enough boards spiral once heated political debates start to know it doesn’t really work that way. 90% of posts go towards the political debate and only 10% are really helping the OP.  

Post # 56
Member
2889 posts
Sugar bee
  • Wedding: April 2017

OP, I just went on United Health Care’s site and they offer short term plans that cover gaps in coverage.  Since your husband already has health insurance, I can’t imagine that a single plan could be that expensive, especially if they have something like an HMO/EPO available.  Then your child can be put on your husband’s coverage and you can be added at open enrollment.

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