Pregnant near no insurance! What do i do?
Im 24 years old and pregnant with my first child.I own no insurance and I dont quilify for medicaid because my boyfriend in I make resembling $400 over the limit to quilify. I cant get married and be put on my boyfriends insurance because I wont cover me because it is pre-existing condition. I cant afford adjectives these prenatal visits by our selfs. Is there anyone who can back me or tell if I have any other option, I have called motherliness advandage for help but the want $199 a mth to reduss my hospital bill?
Not true YES you can be put on his insurance if its a group plan I WAS JUST PUT ON MY HUSBANDS AND IM 19 WEEKS PG. IT WAS EASY. His company uses United Health Care.
Did you apply for medicaid under the state children's vigour insurance plan? If so, then you probably make plenty to clear for the birth - the chips guidelines are VERY generous.
If your household income is over $50,000, you can pay out of pocket. It will hurt, but you can do it. If it's below, you probably qualify for chips.
Also, consider a home birth, or a birthing center birth, rather than a hospital birth. The homebirth with adjectives prenatal will run you under $2500, and a birthing center birth around $3500, while a hospital birth will probably run you $7,000.
Answers: First off, pregnancy is by decree not considered pre-existing with any group policies. See this government website: http://www.dol.gov/ebsa/faqs/faq_consume... and look below "what is a preexisting condition?"
Second, maternity advantage is merely a discount, you actually would pay more near this plan than if you negotiate a discount yourself. The same goes with other discount plans as powerfully.
Third, you can negotiate a discount and/or payment plan with adjectives hospitals and almost all doctors.
can you get a loan from friends and ancestral?
and yes I agree, should have thought about the money earlier getting pregnant. But this is after the fact.
Not to make a situation worse, but you probably won't part for daycare assistance either.
Whatever happens, after the pregnancy get sure you get some good birth control.
Ask YOUR family circle and HIS family for a loan! That's your best bet.
Otherwise, consider other options resembling adoption. The adoption parents can provide healthcare.
Try this program its for women who are pregnant with little or no insurance that don't qualify for medical. www.aim.ca.gov.com
Who Can Qualify?
To qualify for AIM, you must be:
Pregnant: You must be pregnant, but not more than 30 weeks pregnant, as of the application date. Application date finances the date the complete application is sent to the AIM Program as shown by the U.S. Postal postmark date on the application envelope, or documentation from other delivery services.
Count your weeks of pregnancy by starting at the first day of your final menstrual period. Use the AIM Pregnancy Calculator to see when your deadline is for applying for AIM. You can also see when your baby is due.
A California resident: You must hold lived in California for the last 6 months.
Not contained by other programs: You cannot be receiving no-cost Medi-Cal or Medicare Part A and Part B benefits as of the application date.
Not covered by private insurance costing less than $500: You cannot enjoy maternity benefits through private insurance, unless your coverage has a deductible or co-payment specifically for motherliness services that is more than $500 as of the application date.
Within the AIM income guidelines: You must have a monthly household income (after income deductions) inside AIM income guidelines. Congrats to you and your boyfiend. Good luck!
Good luck! What a terrible situation.
First of all, if you return with married, your boyfriend (then husband) can add you to his insurance because pregnancy cannot be considered pre-existing on a group policy.
If that doesn't fit into your plan, your only other risk is to pay cash for adjectives services. Doctors and hospitals have cash prices for delivery--then adjectives you need to do is pray for an uncomplicated delivery and fighting fit baby.