Change of Feelings...

BooBoo0413 · April 2011

So I posted yesterday about the insurance. I had made an appointment with an OB for May 3rd, thinking I was covered under my mom, and after I read your responses yesterday, I called the OB office to inquire. She said out of pocket fees are $202 for the first appointment at time of service, and $400 per each additional appointment at time of service. I cancelled my appointment. DB called his insurance company today and they will add me as a Domestic Partner, but will not cover me until after birth. Sad I called Planned Parenthood and ours apparently don't see pregnant women.So now I have no where to go, no prenatal care, and no appointment to see if baby is even ok in there. I went from being excited and nervous but optimistic, to now I'm just destroyed. I don't know what to do. I'm telling my parents on Sunday but doubt they will be much help in this area. I made an appointment with my regular doc (since that I'm still covered for regular appointments) for Thursday to see if she can point me in the right direction. I've been trying not to cry all day at work and praying for a miracle now. I was so looking forward to that May 3rd appointment.

** Edited to add... does anyone know what I should or could do in the interim until I get this figured out? DB took $1000 out of his 401K today so we could cover the appointments but I don't want to do that unless we have to.

MrzHoz · April 2011

I missed the post from yesterday, but why not try planned parenthood?

And isn't there any way you can save $200 until May 3, so you can atleast get that checkup done and make sure everything going ok so far and the initial consulation with your doctor?

getnmarried910 · April 2011

I know it's not the most ideal thing, but have you checked into medicaid?

brokensmyl · April 2011

Have you tried applying for medicaid or any other medical assistance? It is definitely worth looking into. Good luck!

madhatter2003 · April 2011

Don't pull money out of the 401K, the taxes don't make it worth it.

Tell your parents ASAP. Find out what is/isn't covered in your case with being on their insurance or not.

Do you have a crisis pg center near you? Call the nearest catholic church if you don't know. Depending on where you are, look for a local midwife, they will likely be cheaper.

BooBoo0413 · April 2011

I can't find a planned parenthood in town that will see pregnant women. I don't qualify for medicaid. And about the saving $200...I think that is ideal right now. We can come up with that no sweat but it's the rest of the $400 payments so frequently (at each appt) that I know we can't do.

brokensmyl · April 2011

Was there a reason why you wouldn't be covered under your mom?

Maybe try a different doctors office, that will let you do some kind of payment plan?

Babiekiss · April 2011

BooBoo0413:
I can't find a planned parenthood in town that will see pregnant women. I don't qualify for medicaid. And about the saving $200...I think that is ideal right now. We can come up with that no sweat but it's the rest of the $400 payments so frequently (at each appt) that I know we can't do.

Try a hospital near you, I don't have insurance right now and I am going at 8 weeks for my first u/s. Just apply for Charity Care because you can't afford prenatal care on your own. They usually give you an appointment for an interview and you can tell them your situation, maybe even work out a payment plan.

EveryNameIWantIsTaken · April 2011

Many doctors offices give deep discounts for cash paying customers. I know that on the back of the financial info page I was given at my first appointment, they had their prices for cash customers. They really were way reasonable, much much less that $400 a visit. That seems like a lot for someone paying cash. It's one thing if they charge that initially to insurance, since insurance then adjusts and the office has to write off a certain amount. At any rate, I would get to work calling various ob offices and asking about their cash customer policies and general prices. Surely, someone has to do the same as my office.

petunia007 · April 2011

Sorry you are dealing with this, no one needs extra stress!

I would start making lots of phone calls, there are some great ideas on here, call churches, hospitals, and try to negotiate with Drs offices. Also, I am not sure what state you live in, but in many states hospitals can not send you to collections or anything for unpaid bills. This of course isnt ideal, but if you can get on a payment plan with them that will allow you to get the appointments you need, I would give it a try.

Best of luck.

hnh1205 · April 2011

BooBoo0413:
I can't find a planned parenthood in town that will see pregnant women. I don't qualify for medicaid. And about the saving $200...I think that is ideal right now. We can come up with that no sweat but it's the rest of the $400 payments so frequently (at each appt) that I know we can't do.

Why do you not qualify for medicaid? Most of the time, pregnancy medicaid is much more lenient to get enrolled in. If you are not married, and are dropped from your parents insurance, then you would be independent. Unless you make a ton of money by yourself, you would qualify more than likely. I would definitely check that out for sure. Also, do you have a public health department in your county? Most of the time that is free or minimal money. If those are not options, talk with the office about a payment plan. You cannot just NOT get prenatal care.

hanna mae · April 2011

Does your state offer health insurance? Perhaps the local WIC, Welfare, Food Stamp office might be able to help you? Or point you in the right direction? I know that the state of Massachusetts offers this and I think there are a lot of other states that offer it too. Good luck!

Ddotrae25 · April 2011

You said your partner was adding you but it wouldn't cover you til after the birth as a Domestic Partner. As a last resort could you do a quick courthouse wedding and maybe be added as a spouse. Most insurance plans don't do Preexisting Conditions anymore. I don't know if that is an ideal plan for you two or not. I know what you're going through, I don't have insurance either and I'm paying for everything out of pocket. We had to pay $250 for first appointment, then $450 for lab work as well. Now we are paying $560 at each additional appt but that doesn't cover u/s and lab work. My husband is a truck driver so we can afford it, but it also means I only get to see him once every 2-3 months. Pregnancy should be a very joyous time, it will get stressful but you shouldn't have to worry like this. Call the place where you made your OB appt, and see if they can point you in the right direction. In the meantime get to a Walmart, or some other pharmacy and get some Over the Counter PNV's and get a baby book (What to expect...) just to help you out while you are figuring things out. GL! Hope it all works out!

lvisser · April 2011

Ddotrae25:
You said your partner was adding you but it wouldn't cover you til after the birth as a Domestic Partner. As a last resort could you do a quick courthouse wedding and maybe be added as a spouse. Most insurance plans don't do Preexisting Conditions anymore. I don't know if that is an ideal plan for you two or not. I know what you're going through, I don't have insurance either and I'm paying for everything out of pocket. We had to pay $250 for first appointment, then $450 for lab work as well. Now we are paying $560 at each additional appt but that doesn't cover u/s and lab work. My husband is a truck driver so we can afford it, but it also means I only get to see him once every 2-3 months. Pregnancy should be a very joyous time, it will get stressful but you shouldn't have to worry like this. Call the place where you made your OB appt, and see if they can point you in the right direction. In the meantime get to a Walmart, or some other pharmacy and get some Over the Counter PNV's and get a baby book (What to expect...) just to help you out while you are figuring things out. GL! Hope it all works out!

I don't think making a lifelong commitment for insurance is the right way to go about it either...

Why don't you qualify for medicaid?

Ddotrae25 · April 2011

lvisser:
Ddotrae25:
You said your partner was adding you but it wouldn't cover you til after the birth as a Domestic Partner. As a last resort could you do a quick courthouse wedding and maybe be added as a spouse. Most insurance plans don't do Preexisting Conditions anymore. I don't know if that is an ideal plan for you two or not. I know what you're going through, I don't have insurance either and I'm paying for everything out of pocket. We had to pay $250 for first appointment, then $450 for lab work as well. Now we are paying $560 at each additional appt but that doesn't cover u/s and lab work. My husband is a truck driver so we can afford it, but it also means I only get to see him once every 2-3 months. Pregnancy should be a very joyous time, it will get stressful but you shouldn't have to worry like this. Call the place where you made your OB appt, and see if they can point you in the right direction. In the meantime get to a Walmart, or some other pharmacy and get some Over the Counter PNV's and get a baby book (What to expect...) just to help you out while you are figuring things out. GL! Hope it all works out!

I don't think making a lifelong commitment for insurance is the right way to go about it either...
Why don't you qualify for medicaid?

Well obviously don't marry them if you don't love them or don't want to, but IF you are planning to eventually get married then if you do it at a courthouse, it's small, no one really has to know. Plus like I also said it being a LAST resort if you run out of options.

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