(Closed) Pregnant & Health Insurance/New Job Dilemma HELP!

posted 5 years ago in Pregnancy
  • poll: Advice?
    Not take new job in order to keep insurance. : (2 votes)
    5 %
    Him take job and pay $$ for COBRA for me/him (which we could afford) : (22 votes)
    59 %
    Take new job, don't pay for COBRA and stick w/ my midwife package : (10 votes)
    27 %
    Other, please specify : (3 votes)
    8 %
  • Post # 3
    7311 posts
    Busy Beekeeper
    • 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
    214 posts
    Helper bee

    @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
    8146 posts
    Bumble Beekeeper
    • Wedding: October 2012

    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 # 9
    3136 posts
    Sugar bee
    • Wedding: May 2018

    @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
    1390 posts
    Bumble bee

    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
    50 posts
    Worker bee
    • Wedding: June 2013

    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
    214 posts
    Helper bee

    @aliciapdx:  You enroll in October, Coverage starts in January.

    Post # 13
    6825 posts
    Busy Beekeeper
    • Wedding: June 2011

    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
    4416 posts
    Honey bee
    • Wedding: June 2012

    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
    8882 posts
    Buzzing Beekeeper

    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! 🙂

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