Wtf do I do no insurance till nov

MSchepper · August 2013

So now that I found out, it has set in that I am not suppose to get insurance from work until November 1st so now I am sitting here trying to figure out wtf I do.

padma55 · August 2013

Is there a program in your area that covers pregnant women, something from the state, maybe?

*edited for clarity

amhah09 · August 2013

Well... How far along are you? More precisely, how far along will you be November 1?

sarahbeth27 · August 2013

A few questions --

Do you have other insurance? Covered by a spouse or access to COBRA?
Do you (or a spouse) have a FSA or HSA?

I'm assuming you aren't currently covered under another plan, but you could perhaps be eligible for COBRA. If you are, I would enroll to cover the gap until November.

If you don't have access to COBRA or other insurance, my second question comes in to play. If you (or a spouse) have a FSA or HSA, you can use the funds in either account to cover any out of pocked medical expenses.

Luckily for you, there shouldn't be too terribly many appointments prior to November 1. You may be forced to pay out of pocket. If that is the case, call your OB beforehand and explain your situation. Ask upfront the costs for the appointments you need and find out if you absolutely need them prior to Nov 1 or not.

GL!

ETA: PP mentions medicade, may be another option!

Kencran · August 2013

I won't have insurance until January open enrollement time. In the meantime I'm self paying for all my visits. Not sure if your employer pays your premiums but self pay is actually cheaper for me than the premium I will have to pay when I start paying in January! I have to get on insurance though in January to pay for the expensive delivery etc. good luck let me know if you find something better.

amhah09 · August 2013

^^^ what she said.

amhah09 · August 2013

I was going to say you may be able to get away with just one visit between now and then that you can pay out of pocket for.

Ksandz777 · August 2013

I'm 7 weeks this week, and my husbands insurance won't kick in for about another 50 or so days. I honestly can't afford seeing a doctor out of pocket, so unfortunately, I'm going to have to wait. I made sure to research what I should be doing to make sure baby's healthy, but that's about all I can do at this point. It's a really helpless boat to be in

best of luck

padma55 · August 2013

@Ksandz777, I am surprised that there isn't an organization in your area that would give you healthcare while pregnant. In my state we have clinics who will see you for a nominal fee, sometimes free, and we have Medicaid, which looks different for pregnant women. Good luck! I'm disheartened to think you are just out of luck while pregnant. I feel like there are some options, at least I hope there are for you.

Mustardseed2007 · August 2013

In our state there is a children's Medicaid program that you qualify for just by being pregnant, even if you wouldn't otherwise qualify based on income. Perhaps you can do this and then switch over once you get insurance? You'd want a doctor who takes both. OR you could switch doctors in November. You'd be about 18-20 weeks, give or take, so that should also be doable.

I think all states have that, since it'd be funded by the federal gov't and administered by the state.

LittleLady77 · August 2013

In the state of California we have a healthy baby program and every pregnant women gets great care while they are expecting. If you don't have access to COBRA or can't get onto hubby's via a qualifying life event you should really check with the state. If you happen to have a tubal pregnancy there is a chance your tube could rupture and you could die. Prenatal care is not something you can just skip!

MSchepper · August 2013

Little lady I am in Californaia... I didn't think I would qualify for that because I am working. I will apply tonight when I am at work.

MSchepper · August 2013

According to the calculator on here I'm 5 weeks today

Mustardseed2007 · August 2013

If Texas offers it, surely California also offers the Medicaid coverage or some other program just by virtue of you being pregnant even if you are working. Texans don't get anything leave wise etc. compared to California.

MSchepper · August 2013

I don't care about the leave right now I am a EMS dispatcher so I sit 12hrs a shift I'm just worried about insurance till November to hold me over... I miscarried in 2011 with my ex husband and I am terrified it will happen again especially if I have no coverage. I just want to know if I gotta go I'm okay

Mustardseed2007 · August 2013

Mustardseed2007 said:

If Texas offers it, surely California also offers the Medicaid coverage or some other program just by virtue of you being pregnant even if you are working. Texans don't get anything leave wise etc. compared to California.

MSchepper said:

I don't care about the leave right now I am a EMS dispatcher so I sit 12hrs a shift I'm just worried about insurance till November to hold me over... I miscarried in 2011 with my ex husband and I am terrified it will happen again especially if I have no coverage. I just want to know if I gotta go I'm okay

Oh Totally feel you on that one. I just mean that if a state cares enough to have good leave laws, it probably has thought about prenatal care as well. So I bet there are resources for you.

I'm sorry you're having to go through figuring this out, especially when you've had a loss. As if pgal brain isn't enough to deal with!

MSchepper · August 2013

I just keep crying lol even when I don't wanna cry I cry... I mean I'm use to stress but holy
Moly doughnuts. Now I just start crying when I don't know what to do thank u everyone

LittleLady77 · August 2013

MSchepper said:

Little lady I am in Californaia... I didn't think I would qualify for that because I am working. I will apply tonight when I am at work.

California has one of the best "healthy baby" programs out there. You will be set.

speechie517 · August 2013

Also talk to your practitioner. Often Drs. give a "self-pay" discount. I have an ER bill from July that was accidentally marked as "self-pay" and it is a third of the cost of what they billed my insurance once they squared it away.

MSchepper · August 2013

Little lady I applied a few hours ago and they called that they got
An app for me and are going to mail me out some paper work

mooncusp22 · August 2013

Planned Parenthood (or something similar)? I actually had to go for 1 year to PP when I did not have insurance. Was like a regular doctors office and was actually quite nice.

MSchepper · August 2013

I have to go there friday to get a confirmation test done and I guess they will tell me where to go from there. Fingers crossed they hurry up and send this paperwork!

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