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Health insurance problems. Any advice?

polkadotsockpolkadotsock
in Minnesota Babies

As of right now I am 9 weeks pregnant. I know I need to get to a doctor soon to make sure everything is good, but I currently do not have any health insurance. And no one is willing to take me on because I have a "pre-existing" condition. I've tried three different providers and they all said no.

 I applied for MNCare and through the county, but they both told me it would be at least a month to 2 months before I heard anything back from them. I definitely don't want to wait that long.

Does anyone know of a place in the Twin City or surrounding area that will give me a checkup on a sliding scale? Or am I going to have to wait until I hear back from one of the providers?

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Re: Health insurance problems. Any advice?

  • JenniferlovesJordanJenniferlovesJordan
    If you do get covered by MNCare they will cover your bills from the point that you submitted your paperwork. So if you submit your forms and then see a doctor they will cover those expenses after your coverage starts.
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  • howa0155howa0155 member

    imageJenniferlovesJordan:
    If you do get covered by MNCare they will cover your bills from the point that you submitted your paperwork. So if you submit your forms and then see a doctor they will cover those expenses after your coverage starts.

    This.  Planned Parenthood uses a sliding scale, however, I'd just go to the doc you want, as it will be covered by MN Care later on and then you'll have some consistency.

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  • Katlin010Katlin010

    I have family members that work for the county and yes MNCare will go back and pay them .... BUT YOU HAVE TO SUBMIT THEM. Lot's of people think that they automatically go back and pay them. But also with MNCare there are only certain providers that they cover, so keep that in mind also. You may go see a doctor but then find out that they don't cover that clinic and have to switch. They usually contact you fairly quickly I know this from experience. You can also call your county to talk to a caseworker and see how far along they are with your paperwork. I hope this helps if you have any other questions feel free to ask I know plenty about MNCare.

    Good luck.

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  • MrsGo4HockeychickMrsGo4Hockeychick member
    I would go somewhere you can afford to pay OOP. If you get denied MNCare (which is not a given just because you are pg), you will be responsible for all of the bills. 
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  • preg_amypreg_amy

    imageMrsGo4Hockeychick:
    I would go somewhere you can afford to pay OOP. If you get denied MNCare (which is not a given just because you are pg), you will be responsible for all of the bills. 

    I agree with this.

    If they deny you, you don't want to be stuck with the bill for an expensive provider.  If it's just a first appointment, I would try to find somewhere with a sliding fee scale.  I would call HCMC, if you are in the metro area.  They are the best for working things out if you don't have insurance.  Here is the website for their OB/GYN Clinic.

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  • otcotc

    https://www.ccspm.org/prenatal_clinic.aspx

    This is through Catholic Charities and they will offer you many, many services including midwives and help with financial difficulties.  If you start through them and then like the clinic they assign you, you can continue through MnCare.  St Joes Hospital is very nice and has water births, etc if you would like a more holistic approach.  They also have one of the lowest Csection rates in the country.

     

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  • polkadotsockpolkadotsock

    I just wanted to say thanks to everyone! I was without internet this weekend so I couldn't respond.

    But I'm glad I'm not the only one who is in this situation (or was), I'll definitely check out some of the websites and stuff you all gave.  But that's why I wanted a sliding scale in the first place. In the chance that MNCare doesn't go through and I'm not stuck with thousands of dollars worth of bills right away.

     Thanks again!Smile

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  • JBtheDog20JBtheDog20

    I was so happy to read that I am not the only one having these problems, I work for a company that does not offer health insurance at this time and although I am trying to work with them on that issue I felt pretty hopeless.. This was really helful and at the very least to know I'm not alone is a great feeling!

    Keep me posted on what you figured out!

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  • faith929luv@yahoo.comfaith929luv@yahoo.com
    There's a I believe non-profit organization called Pathways that provides resources for low/no income &/or sliding scale. Also try The United Way. I know that Allina has a Partners in Care Program that u have to call & ask for pre-approval papers that will help cover some costs, if eligible. I know there's a sliding scale clinic in St. Paul called Open Cities that provides medical, dental, & mental health care. Sometimes N.D. & M.D.'s will work on a payment plan if u call in advance & set one up (especially if paying in full at the time & in cash &/or pre-paid checks at the time of your appts. Some give discounts given for cash payments).
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