I'm going to keep the background short... Insurance plans offered by my employer are determined by the state I live in. My state is broke, and this year, they decided to only offer two plans--
Option 1: Affordable, but only available in 38 counties in the state. My county is not one of them, and thus, I am not allowed to choose it.
Option 2: Childbirth will cost more than 10 times the amount I expected to pay.
My current insurance carrier is one of the ones on the chopping block.
On the plus side, the 200,000+ workers affected by this change raised hell and now the state granted a 90-day extension on last year's plans.
The downside? The 90-day extension will expire five days before my due date. The legislators will convene shortly before the extension expires.
I'm worried about the worst case scenario, which is that the state chooses to drop all insurance companies except options 1 and 2, I apply for continuity of care with option 2 (which I have to do since I'm switching carriers mid-pregnancy), give birth before my application is approved, and the entire birth, hospital stay and well-baby care in the hospital are not covered. I'm at a loss. I DO NOT want to be induced without medical reason. Does anyone have any advice?