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Pregnant w/o insurance, what to do?

jnmheimjnmheim
in Florida Babies
I just found out that I am pregnant. After a LONG 1 year journey of trying...it finally happened! One problem...during our journey, I lost my job where I had some of the most amazing health insurance. Now, at my new job, the insurance wasn't remotely close to being affordable, so I elected out (at least until January)...so now I have NO insurance and we don't qualify for Medicaid (at least I don't think. If anybody knows the qualifications for a family of 4 expecting #5, please do tell.) Any suggestions out there? I want to be happy about expecting...but how can I be when I am freaking out about the lack of insurance.
~Jessica~ "Life isn't measured by the number of breaths you take, but by the number of moments that take your breath away" ~Uknown "You don't marry the person you can live with...you marry the person you can't live without." ~Uknown
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An angel opened the book of life and wrote down my baby's birth, Then she whispered as she closed the book, "Too beautiful for earth." ~Unknown We lost our "Squishy" to a m/c on 10/06/2010. He/she went to heaven with my Dad and our Heavenly Father.
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Re: Pregnant w/o insurance, what to do?

  • MIABRIDENTAMPAMIABRIDENTAMPA
    I think because you do not have insurance and are expecting you do qualify for Medicaid. You will need to contact your local Medicaid office. They will not deny you because you are pregnant. HTH
    About time I updated the Bio 02-20-2010 image Siggy Challenge ://www.theknot.com/?utm_source=ticker&utm_medium=HTML&utm_campaign=tickers">Wedding Countdown Ticker
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  • FlaCourtneyFlaCourtney

    Yikes! I don't want to beat up on you because it's too late now, but why wouldn't you have gotten insured knowing that you were trying to have a baby? Medicaid is a good option. I don't know if you can get on under your husband's plan now that you have a "pre-existing condition." Also, are your kids insured? If not, you can get them insured under Florida KidCare, just fyi.

    Good luck!

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  • stevenkramer48stevenkramer48 member

    My friend who lost her job and didn't have an insurence, was able to get FL Medicad, but with that said, she only got emeregncy that covered her for 60 days, after that she made a deal with the doctor who took the medicaid, and than went to the hopital at delivery time and the hospital has to cover the birth.

    She was and is still a very healthy person who had an unplanned pregnancy at 40. Her baby is pretty healthy however. But she has to pay out of pocket for the baby and herself. She was able to get emeregncy medicad again, after the birth for six weeks.

     

    She was able to get wic.

    With all this said, I would never go without insurence, sometimes we have to give up other things we want but medical insurance is something that is important. Maybe you can get on your husbands. IF not you will have to get on yours in Jan.

    Jillian

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  • stevenkramer48stevenkramer48 member
    Medicaid for Pregnant Women There are three ways to apply: 1. Presumptively Eligible Pregnant Women (PEPW): A temporary coverage for prenatal care only by local clinics. The same application will be sent to DCF for an ongoing Medicaid determination. For more information, please see the Family-Related Medicaid Factsheet. (Page 9) 2. Simplified Eligibility for Pregnant Women (SEPW): A simplified "full coverage" for pregnant women only. To apply, please complete the one page application linked below. Print the application and mail, fax or return it in person to the nearest ACCESS office: (English) (Espa?ol) (Krey?l). 3. ACCESS application: This is an application for "regular" Medicaid, including other family members, cash assistance and/or food stamps. Please visit this link to begin: https://www.myflorida.com/accessflorida/. For more information see the Family-Related Medicaid Factsheet. (Page 10) Women with family income over the limit for Medicaid, may qualify for the Medically Needy Program. For more information see the Family-Related Medicaid Factsheet. (Page 12) For pregnant women who do not meet the citizenship requirements for Medicaid, see the information below about Emergency Medicaid for Aliens.
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  • stevenkramer48stevenkramer48 member

    Medicaid for Low Income Families With Children

    Children up to age 18 and their parents or caretaker relatives may be eligible for Medicaid if the family?s countable income does not exceed the income limits and countable assets are not above $2,000.

    • Individuals who receive Temporary Cash Assistance (TCA) are eligible for Medicaid. Individuals who are eligible for TCA, but choose not to receive it, may still be eligible for Medicaid.
    • Families who lose Medicaid eligibility due to earned income may be eligible for up to 12 additional months of Medicaid, if they meet certain requirements.
    • Families that lose Medicaid eligibility due to child support or alimony may be eligible for 4 additional months of Medicaid.

    Additional information about Medicaid for low income families is available in the Family-Related Medicaid Fact Sheet.

    Information regarding the income and asset limits for Medicaid for low income families and children can be found on the Family Related Medicaid Income/Asset Limits.

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  • KimbernJourneyKimbernJourney
    You should definitely qualify for medicaid. I have it myself. Pretty much being pregnant qualifies you in and of itself. The coverage is pretty good surprisingly, and I found a great group of doctors that work with it at Genesis Healthpark w/TGH. I have also qualified for foodstamps and WIC. Seeing that I'm doing this alone I'll take all the help I can get. You can apply online here, https://www.myflorida.com/accessflorida/. It took about 45 days for me to be approved. While I was waiting for approval I went to the health department to see an OB/GYN. I didn't have to pay anything since my medicaid approval was pending. The care was better than expected, but take a book because you'll have to wait a while, maybe some music too so you don't have to deal with all the screaming kids, lol. 
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  • jnmheimjnmheim
    Update: I spoke with my HR department at work and told them the situation. THANKFULLY that were having TONS of issues with the system the month I enrolled for my benefits, so they extended the health insurance to me. Thank god!!!! I don't believe I qualify for medicaid for pregnant woman solely because we make more then the income qualifications for pregnant medicaid.
    ~Jessica~ "Life isn't measured by the number of breaths you take, but by the number of moments that take your breath away" ~Uknown "You don't marry the person you can live with...you marry the person you can't live without." ~Uknown
    Lilypie Maternity tickers
    Lilypie - Personal pictureLilypie Kids Birthday tickers
    Lilypie - Personal pictureLilypie Kids Birthday tickers
    An angel opened the book of life and wrote down my baby's birth, Then she whispered as she closed the book, "Too beautiful for earth." ~Unknown We lost our "Squishy" to a m/c on 10/06/2010. He/she went to heaven with my Dad and our Heavenly Father.
    Report Reply
  • stevenkramer48stevenkramer48 member

    imagejnmheim:
    Update: I spoke with my HR department at work and told them the situation. THANKFULLY that were having TONS of issues with the system the month I enrolled for my benefits, so they extended the health insurance to me. Thank god!!!! I don't believe I qualify for medicaid for pregnant woman solely because we make more then the income qualifications for pregnant medicaid.

     

    So happy for you! Glad it worked out! Remember to get online and sign up for all the free stuff you get and even if you don't use it, you can trade it for what you do use on the swap boards!

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