Anyone have/had a BM that needed to change insurance ?

militarywife2b · November 2011

BM is going to have to move in with us prior to having the baby which means she will have to change her insurance plan about 30 to 45 days prior to birth. She has medicaid. TIA

inlovewithB · November 2011

Wow! I haven't ever heard of a BM moving in with the adoptive parents! I hope that goes well for all of you!! I used to sell health insurance and here in FL unless a pregnant woman is on a "Group Plan" (company paid benefit) she is not eligible for any other insurance (other than medicaid), meaning she can't purchase individual insurance that will cover a delivery if she is already pregnant.

Is she going from Medicaid in one state to another, or will she no longer be eligible for Medicaid when she moves in with you?

militarywife2b · November 2011

Under normal circumstances no the BM does not move in with the family. However, this adoption is not the ordinary Smile

. She will be transferring her medicare from one state to another.

Dragonfly_Bride · November 2011

I'm sorry, I don't have any info on the medical insurance, but I wanted to chime in that at our agency informational seminar there were two women who had a birthmom move in with them. They lived together for 3 months getting to know each other and it had a very happy ending. They wrote about their story for the agency magazine, and I c&p some of it here:

We had planned to take her to dinner, drop her off at home to give her time to process meeting us over the weekend and then find out if she wanted to match before we flew home on Tuesday. As we were driving to dinner a translator connected with IAC called. In this conversation we discovered that Eunice had no place to go that night. Apparently everything she owned was in the little bag she was carrying.

After discussing various avenues to find her a place to stay, we discovered that she was willing to come live with us. So on November 4, 2008 we began driving back to Northern California. Barack Obama was being elected as our 44th president and we were bringing our birthmother and unborn son home!

We had three months to get to know our birthmother and she had three months to get to know us. We would never have believed it could work if it hadn?t happened to us. We were able to provide Eunice with healthy meals, take her to her appointments and give her reasons to laugh.

Basically through IAC we were able to meet someone on the streets of LA, bring her home days later, care for her for three months, and adopt her beautiful baby.

I had initially thought adoption was all about the child, but it touches all those involved so deeply. Our ?translator friend?, Marvin is now Ari?s beloved Tio, my parents are grandparents for the second time, our brothers are uncles and Eunice is our dear friend who made our amazing dreams of creating a family come true.

Because Eunice chose open adoption, despite her sadness and loss, she too can share in this joy that she made possible. On Ari?s adoption finalization day, Eunice called us to share her happiness with us. She said, ?I made a conscious decision to choose the best for my baby. You taught me that love is also respect, smiles, hugs and patience. Ari will know how to be loved and to love, how to respect and be respected. You have changed my way of thinking about the world, you opened my mind deeply.? (Yes, Eunice also honed her English skills while living with us.)

In an email from Mother?s Day last year Eunice wrote, ?This day could look like one of those sad days, but it is not. Being a mother is a different and unique experience, the most pure expression of love. With this in mind, I feel that I?m a mother. When you?re a mother everything is possible. There are no borders, languages or colors, only the need to give love and have the courage to give it in a conscious, responsible way. Thank you for every hug, for every night and day I was with you and thanks for teaching Ari my name. You?re the most beautiful mothers that I know.?

At 2 years and 5 months old, Ari continues to amaze us as he learns and grows. His list of accomplishments already include: reciting all 44 presidents, enjoying listening to chapter books read aloud, completing the US state puzzle unaided and just recently said, ?I want to talk to birthmother, Eunice? when he heard that she called and was on the phone.

Just as he knows that he has two devoted moms raising him, he too will know he also has a birthmom who chose this loving family for him. Yes, we never had any doubts that we would ?teach Ari [her] name.?

Being a mother is a different and unique experience, the most pure expression of love...There are no borders, languages or colors, only the need to give love and have the courage to give it in a conscious, responsible way.

militarywife2b · November 2011

Dragon Fly thank you for sharing Aris story with me Smile

Praying that one day soon I can write a similar story.

inlovewithB · November 2011

Dragon Fly -that is an awesome story!! I am so glad you were able to share that!!

Militarywife -if she is switching to medicaid in your state it shouldn't be a big issue, but I would recommend calling your local medicaid office and ask them when she will be eligible for the state sponsored insurance after the move. There may be an elimination period that needs to be addressed. For example they could say "residency must be established for 90 days before you are eligible to apply". Praying you have a story just as awesome as the one DragonFLy shared!

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Anyone have/had a BM that needed to change insurance ?

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