Trying to conceive and want to know about health insurance?
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We are going to be trying to conceive soon, and I wanted to know what options I have available to me. I don’t have health insurance right now, and know that a pregnancy will be expensive..so what are my options?
Any help would be greatly appreciated!
I don’t have health insurance either and my husband and I are still trying to conceive. I work for a small company and my boss can’t offer me insurance. I’ve looked for about 2 years for affordable coverage and the maternity coverage I did find was terrible. Even with the cheapest company I found I figured we would still end up paying a minimum of $8,000 out of pocket WITH insurance. AND that’s only if we conceived the first month we started trying. It’s also a requirement that we pay for maternity coverage three months before conceiving, which I think is ridiculous. So for every month we don’t get pregnant we’d be throwing money down the toilet.
We finally decided were just going to use planned parenthood for all our prenatal care and pay for the delivery out of pocket. They took care of me with my birth control prescription when I lost my insurance after I graduated college. They do everything except the actual delivery and even then they work with hospitals to get us a good deal.
Good Luck – Baby dust to us both! TTC w/ #1
Well you can try for things like Cobra where you can find plans for as low as $85/month. Expensive? VERY our bill for routine prenatal, and postnatal care and delivery, Basic laboratory determinations, and sonograms was $4949 plus the additional $3000 that the hospital charges. And if you need an epidural or decide to get one, that’s an additional $500. I’m covered through work and have Aetna, so I advise you to find a cheap alternative. I only think Cobra cause it’s what my neighbor uses. Just thought I’d give you the break down of prices. I live in the Tampa area in FL.
medicaid!! as far as i know they cannot turn down a woman who is pregnant and does not have health insurance. dont quote me but i think that is a rule with medicaid and they pay for everything. doesnt cost you a dime. the only thing about it is that not every doctor will take medicaid and when choosing a pediatrician only a handful will usually accept it.
I don’t think Medicaid accepts everyone b/c you have to give all types of financial information to see if you qualify. I could be wrong, though. But I would check into it at your local DHHR before you get pregnant b/c if you get pregnant and they don’t cover you, then you’re stuck with a bunch of medical bills. Make sure you get insurance before you get pregnant b/c it’s usually considered a pre-existing condition and you won’t be covered. And some insurance companies have waiting periods before you can become pregnant and still be covered. Do not get pregnant without insurance – what if your baby ends up in the NICU or something? Outrageous bills. Do your research first is all I’m saying. Good luck.