Insurance!

Ventura and Andrew · June 2012

So I have been slightly stressed lately. My husband and i have only been married a little over a month now, and the insurance plan he has would cost us $1300 a month for me to be cover for maternity. So I thought about applying for state coverage, but DH makes too much money to qualify. So then I decided to call my parents insurance because 2 years ago I was still covered. Luckily they said I could be added on no problem since I am under 26 and all doctors visits would be covered and majority of the other expenses would be covered as well. The only thing is I would have to get my dad to call in and add me back on. Let me add that adding me back on is not going to cost my parents a dime of money. The only thing they have to do is call and add me on. So now I have waited 2 weeks for my dad to call in, and I have been asking him and calling the insurance company to see if he has done it, and of course he hasn't. I wouldn't e so stressed about this, but I don't have the money to pay for each visit out of pocket. I also had a very high risk pregnancy for my first, and I would really like to get a head start on this one to maybe prevent some of the things that happened last time. All in all this has just made me extremely stressed out and very anxious. For some reason he just doesn't understand that I do not get sleep because I have no idea what is going on, and I am constantly worried I am going to miscarry.

naa855 · June 2012

Remember you're going to need insurance that covers LO as soon as you give birth, and you don't want to be stuck with a crazy bill if baby is earlier than you expected. I have a friend who had a very early baby and when she added up the total costs of prenatal/birth/ paid for by insurance it was $375k! Don't stress, but make sure you keep all scenarios in mind, you may be better off with DHs ins. Good luck!!

colinsfebmommy · June 2012

You better find out for sure if you are married that you can be on your Dad's insurance regardless of you age. That is unusal that they would allow you to still be a dependant.

sesigs · June 2012

Dealing with insurance issues is very stressful! I hope your dad will call soon. I was waiting to get put on my DHs insurance so I had to push my first visit back, only by a week but being a FTM it made me nervous. However, I do agree with PPs. Your parents insurance will work for your care however LO couldn't be on their plan so definitely look into DHs plan for that. Also, I would imagine being married automatically makes you an independent. It may vary state to state but where I live you need to be claimed as a dependent by your parents to be on their insurance. GL!

Ventura and Andrew · June 2012

luckily I have asked all the questions and I will be covered even though I am married and all that. I am very fortunate that I am able to use this. As far as my new LO, they will be covered by husbands insurance. I just really don't want to be paying $1300 just to have me covered. It just seems way too much when I could utilize something else that is going to cost me next to nothing in comparison.

naa855 · June 2012

Good luck then, and try not to stress

Genie0120 · June 2012

Thank our lovely government for that huh! Not so good for my insurance rates, but for you luckily a married child up to age 26 can be on their parents insurance granted that its not a grandfathered plan.

It could cost your parents more. If your parents dont have any other covered children at thist time, then they are on an EE+Spouse plan. If they add you, they will have to become a Family plan again and that does cost additional money. Your lo will be covered for 31 days under you, under your parents plan, then would no longer be eligible, so you would need to be prepared prior to birth on insurance for your child after he/she is no longer eligible. I would check to see if your state has some kind of subsized child insurace such as a CHIP plan. Based on what the rate is for you and DH on his current plan, it probably wont be much different for him + a child.

jobiann · June 2012

Genie0120:

Thank our lovely government for that huh! Not so good for my insurance rates, but for you luckily a married child up to age 26 can be on their parents insurance granted that its not a grandfathered plan.

It could cost your parents more. If your parents dont have any other covered children at thist time, then they are on an EE+Spouse plan. If they add you, they will have to become a Family plan again and that does cost additional money. Your lo will be covered for 31 days under you, under your parents plan, then would no longer be eligible, so you would need to be prepared prior to birth on insurance for your child after he/she is no longer eligible. I would check to see if your state has some kind of subsized child insurace such as a CHIP plan. Based on what the rate is for you and DH on his current plan, it probably wont be much different for him + a child.

This. Be sure to check it all out first, each state is different in their coverage and terms. Honestly I would think you and your H just need to get your own insurance...you'll have to anyway once the baby comes. Insurance is kind of important when it comes to newborns. GL!

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