Badger Care????

Samantha8604 · October 2012

Well I got my BFP in Aug; however I miscarried last month I just got my bills in the mail from my first appointment and blood work. I have come to find out that my insurance doesn?t cover maternity!!!! I was just wondering if anyone here has or had Badger Care. If so what did you think of it, did it cover most things for you??

megaboosmom · October 2012

No, most of us who are actively trying to get pregnant have our own insurance and aren't relying on the taxpayers to cover our expenses. How very selfish.

Samantha8604 · October 2012

I have my own health insurance but since my job doesn?t offer insurance I have to get my own and I can?t find an individual health insurance company that will offer maternity. I work my 40+hours a week and so does my husband. We pay our taxes; it?s not our fault that our company?s don?t offer insurance. I wasn?t asking for criticism. You have no idea our situation; it?s very uncalled for for you to call us selfish.

megaboosmom · October 2012

Well if you both work full time and don't have any children, then you won't qualify anyway. And yes, it is selfish to expect everyone else to pay for your maternity care. Almost all individual insurance companies cover maternity if you look for the right plan. Don't make the rest of us pay for it, and don't take the coverage away from someone who actually needs it.
I don't need to know you to know that if you and your husband are employed full time, you don't need to leach off of the rest of us for your healthcare. There are lots of people far less fortunate than you who are on a wait list for healthcare.

natalie.wolters@gmail.com · October 2012

I just moved to the area and have Physicians Plus, so I can't comment on BadgerCare, but I did look into a lot of different insurance policies before we signed up for one. The thing I found most surprising is that if you aren't signing up for group insurance, that maternity costs aren't covered under most individual plans for the first 10 months of coverage. So, if you do have to buy an independent plan for insurance (which it sounds like you would if you and/or your husband are self-employed), then you may need to see if your insurance will cover maternity costs, but at a later date. Hope you can get it sorted out soon - after I saw my first couple of rounds of bills, I don't know how anyone could afford to have a baby without insurance! Good luck!

momX7 · October 2012

My husband is self employed (and I'm a stay at home mom) and we buy our own insurance. Over the past 10 years or so I can honestly say I've looked into just about every plan out there. We each have our own policy through HIRSP which while it isn't cheap it's the only one I've found that covers maternity AFTER 6 MONTHS. To get the plan you have to be turned down for insurance first so the best advice I can give is to apply for a plan that you know won't cover you (list any and all preexisting conditions you can think of;) and use that as your denial.

We've had to pay cash for our deliveries in the past due to other insurance not covering them (even though they say they cover IN HOSPITAL SURGICAL CARE)- a c-section with proper prenatal care sets us back more than $20,000 each. We have five kids with number six due in January. It makes the $800 quarterly premiums with a $2,500 deductible seem pretty reasonable when you compare the cost of doing it uninsured.

misternmiss · October 2012

OP, I'm so sorry for your loss. And I'm so sorry that megaboo had to jump on this post and be a megab!tch! A loss is difficult enough, and then to discover that your insurance will not cover the expensive cost of treatment, when you don't even get to have your take-home baby. I'm sorry. I wish I had some advice to offer you. But good luck in your search and I hope your next BFP will be your rainbow baby!

bearfootz · October 2012

I don't think that many people realize the sad state of healthcare. I know a couple that have to carry their own insurance and they too were unable to find a plan that covered maternity. The insurance company actually told them that once they get pregnant they should go on Badger Care.

No, they are not selfish for wanting to have a child. The insurance company is selfish for failing to cover expenses assiciated with starting a family.

kittyh8r · October 2012

megaboosmom:
Well if you both work full time and don't have any children, then you won't qualify anyway. And yes, it is selfish to expect everyone else to pay for your maternity care. Almost all individual insurance companies cover maternity if you look for the right plan. Don't make the rest of us pay for it, and don't take the coverage away from someone who actually needs it. I don't need to know you to know that if you and your husband are employed full time, you don't need to leach off of the rest of us for your healthcare. There are lots of people far less fortunate than you who are on a wait list for healthcare.

WOW! You do NOT know their situation. I know personally that the deductible with my husbands work insurance was too high for us($5,000), so we got medicaid to cover the deductible for us. Just because they are both working does not mean that an extra couple thousand for a deductible is easy to pay. ALSO BadgerCare has insurance that you can pay for. My SIL has BadgerCare and she pays for it.

We have BadgerCare at the moment because we just moved from Texas and my husband's job just fell thru.

I am not sure who you think you are, but you're no better than anyone, so jump off your high horse.

OP-we haven't used any of our benefits yet, but my DH is looking into getting his Varicose veins taken care of, and I can do a f/u on how the insurance is with him.

Another SIL of mine had BadgerCare during her pregnancy and it covered everything. She didn't have any problems with it! (: GL

Shobb414 · October 2013

Sorry to hear about your loss ;(
I had this happen as well. Badger care covered my one appt I had as well as my d&c afterwards I never got a bill which is great becasue I couldn't live with myself looking at that bill every month.

mp03jp · October 2013

Op I'm sorry for your loss. I typically lurk on here but may be helpful this time. Badger care IF you can get on it will pay for everything and even can be back dated 3 months. Depending on your income you will probably have a premium each month as well. If you don't pay it you lose badger care for a year. You won't ever see a bill either.

AbbyM84 · October 2013

Because of my low income I am on BadgerCare and I was back dated for August 1st (got approved at the end of Sept.) My full time job does not offer health insurance and this was my only option. I did one bill from the dr. office but because that first appt. was in mid August they will back pay it. From now on I shouldn't see a bill. It all depends on your income and who is asking for BadgerCare. So sorry for your loss and as for megaboosmom...you are totally out of line with your remarks...you have no clue what anyone's situation is...sham on you!

mikomaree · November 2013

How very rude of you to comment such a nasty mean remark smh. You do not know her nor her situation. Obviously your parents didnt teach you the golden rule!

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