My boss gave me a two week notice

LadySmith08

I work for a small law firm and business has been very slow.  He has decided that my next check will be my last until things pick up.  Because our office is so small I cannot get COBRA and DH's job does not offer medical. I have no idea what I am going to do.

Krissi~n~Justin

*Hugs*   I'm so sorry, what a stressful thing to deal with!

midnight*sun

Google. There are quite a few insurance companies out there that are decent not too expensive.

naenay797

Oh no. I'm so sorry you are having to deal with this. Can't you get on Medicare? Get some type of government assistance? Good luck hun.

citychicks

Wow, that's really awful. I'm really sorry. Hopefully things will pick up.

babylizz

Depending on your DH's income, you might qualify for medicaid now.

StellarStina26

Have you checked into what your state offers to those people in need?  I am currently using it for my first pregnancy since my job wouldn't offer health insurance until one year.  And then I decided to be a SAHM.

LadySmith08

I am going to try and apply for medicare. DH has been out of work for the past 4 months and luckly he just got another job.  I am hoping we will get but you never know.  Someone told me they won't deny a pregnant woman without a job but you never know when you are dealing with government help.

Jenniferk08

you can try to apply for PCAP which helps women who are pregnant and do not have insurance. 

If you do not qualify for that you may qualify for medicaid HMO's.  AFter that check with your local county or state hospitals hospital.  In Ny we offer financial assistance to those who do not qualify for medicaid but still need assistance.  I'm not sure about other states programs though.

alli&pat

LadySmith08:

I am going to try and apply for medicare. DH has been out of work for the past 4 months and luckly he just got another job.  I am hoping we will get but you never know.  Someone told me they won't deny a pregnant woman without a job but you never know when you are dealing with government help.

FYI - medicare is for the elderly.  medicaid is what you are looking for.  and there are often lots of options for assistance if you are unemployed and expecting.  just go to talk to a social worker through your county's social service program. 

LadySmith08

alli&pat:

LadySmith08:

I am going to try and apply for medicare. DH has been out of work for the past 4 months and luckly he just got another job.  I am hoping we will get but you never know.  Someone told me they won't deny a pregnant woman without a job but you never know when you are dealing with government help.

FYI - medicare is for the elderly.  medicaid is what you are looking for.  and there are often lots of options for assistance if you are unemployed and expecting.  just go to talk to a social worker through your county's social service program. 

Thanks! See how much I know. I have never even drawn unemployment. I have a lot to learn.  I hope I can get some help, with all this money I pay in. But I have known people in the past that needed it and got turned down.

tryingforbabyL

What state do you live in?
Most states offer a guarantee issue policy as long as you have HIPAA rights (18 months of continuous coverage without a 63 day lapse).  Some states offer better programs then other.

Google :  "state" guarantee issue health insurance or "state HIPAA plan"

Also, even though you work for a company that is under 20 and they do not offer COBRA they may have to offer state continuation.  Works like COBRA but may not last as long.

LadySmith08

tryingforbabyL:

What state do you live in?
Most states offer a guarantee issue policy as long as you have HIPAA rights (18 months of continuous coverage without a 63 day lapse).  Some states offer better programs then other.

Google :  "state" guarantee issue health insurance or "state HIPAA plan"

Also, even though you work for a company that is under 20 and they do not offer COBRA they may have to offer state continuation.  Works like COBRA but may not last as long.

The problem with the "mini contination plan" is that my boss is letting everyone go, so the group plan will no longer be there. You must 2 employees to keep the plan working. I will google. Thank you.

 

Chiz709

I know it probably doesn't seem like things will look up but when one door closes, another opens.  It will happen!!!  T&P your way - something WILL work out!!!

Lucky_Dragonfly

def start looking. you are not required to work of he is not going to pay you.

dee1369

I'd definitely look into PCAP or your state's equivalent.

Soon2BMrsBoylon

I am so sorry hon!  My advice is in addition with seeing what your state offers by way of insurance is to see if they have a WIC (Women, Infant, Children) program like where I live (Washington State).  It covers things like milk, cereal, cheese, peanut butter, etc. when you are pregnant and have small children (I think up to the age of 5).  Rather than start with Google, I would start with your state's government website.  Good luck and I hope something GREAT for a job opens up for you!!!

lovemytannerman

Oh man, I'm sorry you have to deal with this right now. I hope your able to find something.

BTW, your little one is a total cutie!

meechigan

You may want to see how much it would cost to purchase insurance through a group plan through an organization such as the Farm Bureau.  I paid for COBRA a number of years ago and found the same plan through the Farm Bureau for so much cheaper per month than COBRA through my old company.  I had to join the Farm Bureau for a small fee but saved a lot of money.

 

 

bikernun

Definitely look to see what your state has to offer. Ugh, that blows. I'm so sorry that your having to go through this right now.