- 2 years ago
- Wedding: March 2017
Is there a particular reason you didn’t just get added as soon as you could? Any period of time without insurance is too long of a period.
I’d do what you can to switch jobs or find a part-time position at a company like Starbucks that offers insurance. The cost of delivery may be $3500 OOP but the hospital stay will likely be 10 times that. Per a slate report: “The average total price charged for pregnancy and newborn care was about $30,000 for a vaginal delivery and $50,000 for a C-section, with commercial insurers paying out an average of $18,329 and $27,866, the report found.”
Two weeks after I gave birth I called the marketplace and asked them if I qualified for a special enrollment period now that I’d had a child. I had to do this three times with different operators (the call got dropped once, then I needed some info from my husband and I wasn’t home so I had to call them a third time) and all of them asked me when the baby had been born and told me that the start date of my insurance would be that day.
I, like you, wasn’t truly worried about covering prenatal costs and to our fortune despite the multiple UTIs, antibiotics, cell free dna test, glucose test, etc it ran us about 5 K total. The hospital bill however was a completely different thing. I really hope that your insurance case will be like mine because I was quoted a similar price and I delivered vaginally, no complications, epidural only for 2 hours (that gets expensive QUICKLY) and my (not the baby’s) hospital bill ended up being about 37K. That’s not counting having gotten admitted thru the emergency room (another 1.5K), the baby’s bills and other incidentals. So anyway, having the insurance start date be the baby’s birthday was a godsend.
I started getting billed for everything within the first three weeks after the birth. Once I had my insurance cards and everything I simply called all of the billings’ offices (mine were several: anesthesiologist, hospital, ER, my OB/GYN’s office, the breast pump suppliers, pediatrcian’s office) and asked them to bill my insurance. They were all more than happy to do so.
And no, once he’s born he won’t be added to your husband’s insurance and that will pay for everything- NO. There will be two separate hospital bills: yours and the baby’s. The baby’s, if you so choose, will go thru your DH’s insurance. So everything that happens to him as a patient once he’s born (blood tests, all kinds of tests, days in the hospitals, pediatricans’ visits, etc) will go thru that insurance. YOU need your own separate insurance and you’ll qualify to be enrolled in a new plan once you’ve had the baby. If all goes well, YOUR hospital bills (including but not limited to labor and delivery) will go thru THAT insurance. Does that make sense? Two separate bills, two separate insurances: patient A’s (you) and patient B’s (the baby).
Is there a local university where you could take a class or two and be eligible for health coverage offered through the university? I know some colleges and universities offer some health insurance packages to their students. Not super comprehensive packages, but surely better than nothing?
If I were you, I would first see if I could get enrolled under my parents’ plan (since you are 25).