Post # 1
I am always wordy here so I am keeping it brief (well brief for me.) If you have any clarifying questions ASK, I need advice ASAP.
I switched a month ago to husbands insurance since mine is okay, but the choice of hospitals and OBGYN’s is really crappy. His covers the major top notch hospital in our area. Mine ends 7/31 and his already begun. He had a job interview yesterday, that went exceptionally well and he is secure in thinking he got the job.
The issue is the job he applied for was changed and this job is “temporary,” for a year and includes no benefits BUT the salary is significantly more. There is another major reason he wants to take the job- he has his Masters and 1/2 a PhD in that field and hasn’t been able to find a job in the field for almost 3 years. Once he has some experience he’s golden and will be able to be the sole provider. I will always work in my field (I have a Master’s too) but could do so half time or grow my private practice.
Taking the new job is a 75%-100% increase in his pay depending on the salary
The reason I put that out there is because he will know about the job by FRIDAY and I see these as our options:
- Not take new job in order to keep insurance.
- Him take job and pay $$ for COBRA for me/him (which we could afford at $700-1k/month for 6 months.)
- Take new job, don’t pay for COBRA (It’s $700-1k/month) and stick w/ my homebirth midwife who offers a 2-3k package including 10-12 home visits, 2 postnatal visits and the home birth. If I need medical care beyond that we would pay out of pocket. Pray I don’t need major medical intervention.
- I plan on having a home water birth
- I am due in January and have a healthy pregnancy and family health history
- He almost never uses a doctor
- I would LOVE to quit my shitty job at a prison in October and work PT or from home and be home w/ the child and build my side business then be at home w/ the baby working PT.
- MIL will be our nanny FT if needed so childcare luckily is not an issue
- After the 6 months cobra ends we could pay out of pocket for insurance for the “new family” or I can stick w/ my current FT job and open enrollement in right around that time.
Any/all advice appreciated. I am trying not to be selfish or get distracted by $$$
Post # 3
- Wedding: October 2011 - Bed & Breakfast
I think I’d take the new job and pay for the COBRA option. The new ACA insurance exchanges will be up and running soon, and you may be able to find less expensive health care coverage there to go beyond the 6 month COBRA coverage. https://www.healthcare.gov/
I would not go without insurance unless you have the cash to pay for a catastrophy. Can you afford a month of NICU care? Can you afford to pay for your husband’s care if he gets seriously injured and is not bringing home any money while also paying for your own pregnancy and newborn care? Unless you have a money tree growing in your backyard, the answer is probably “no”. None of us has that kind of money just laying around.
Post # 4
@aliciapdx: Because you are due in January you may have another option. You could take the midwife package and enroll in private insurance in October (to start in January) when the new health care exchanges start. Beginning in January, pregnancy is no longer a pre-existing condition so if you did have to transfer to a hospital this would give you coverage. https://www.healthcare.gov/
Post # 5
I vote new job and COBRA! I think that the salary is too good to pass up and (god forbid) if any big things come up, he can now cover it with his increased wages. I will pray that your water birth goes well, if you still want to go that route!
Post # 6
That is my issue with that option, there is a bee who delivered 5 early and was in nicu for 4 weeks. This would bankrupt us. I like the.safety net of the cobra jic.
Post # 7
I did not realize it was october. I think we should handle 2 months without insurance.
Post # 8
that what I was leaning towards personally. Hubs liked midwife only option.
Post # 9
@aliciapdx: I agree that you need a safety net. Anything could happen and it would be better to spend a couple thousand to know that you and baby will have great care at your fingertips if necessary.
Post # 10
I’d take the job and stick with the midwife. Keep in mind that open enrollment for marketplace insurance (the state-run insurance that goes into effect Jan 2014) is in October and in a lot of places, you can look at benefits from that now, already. You may even qualify for supplemental insurance through the state depending on where you live that would cover the very basics until next year. I looked into the insurance situation in Minnesota and for better coverage than what I have through work now, we’d pay about the same amount in monthly premiums for insurance off the marketplace. Definitely something to look into.
Post # 11
Would it be an option to go back to your old insurance? If you lose your husband’s insurance when he takes this new job, that would qualify to re-enroll in your works insurance, even if it does have crappy providers. Possibly better than paying out the nose through COBRA.
Post # 12
@aliciapdx: You enroll in October, Coverage starts in January.
Post # 13
I would do the new job and cobra, my son was born 7 weeks early 1 month in NCIU equaled before insurance $145,000.00. So definately find some kind of insurance.
Post # 14
Definitely wouldn’t go without any insurance. Just think of the added stress over your whole home birth experience (which is supposed to be totally unstressful!) of knowing that “if anything goes wrong with this, we will have to rush to the hospital AND pay thousands and thousands of dollars out of pocket.” The connection between mind and body being what it is, I imagine that level of stress would absolutely affect how the birth goes and make it even more likely that you’d need interventions because your nervous body might not cooperate. YIKES!!!
Post # 15
I would definitely take the new job, it seems like you have a couple of great options that way. I voted for you to stick with the midwife because it seems like something you and hubby would both like. But as PP said, you could enroll in October .. so really either option is great.
I’ll keep my FX that he gets the job! 🙂
Post # 16
that’s my vote.
although I don’t know for sure I doubt we would qualify for any.current plan. I don’t think I can be without insurance until jan, juc baby comes early