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February 2023 Moms
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First Time Mom Here and Uninsured

knottie110859de340722faknottie110859de340722fa Newbie
in February 2023 Moms
Hi y’all! I’m 31, engaged and a first time mom! Our little nugget really put a spin on things for my fiancé and myself. Our wedding date was going to be 1/31/23, but with my due date being 2/6 we are going to change that. We are both in the service industry, and health insure is something we were planning on getting after we got married and actually started trying to get pregnant. But life had other plans. I have applied for Medicare but I believe I make to much money and won’t be approved. Was hoping that someone would have some advice and things I should know. I haven’t found many resources online to help guide me. Thanks so much!
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Re: First Time Mom Here and Uninsured

  • knottief5f967872081f30fknottief5f967872081f30f member
    I was uninsured with my first 4 years ago. My hospital had prepay options that let me pay for her birth upfront for about $4000 total. I’m not sure if every hospital has it but I would look into it as an option.
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  • annemarie96annemarie96 member
    Every state is different with things they offer I think. I know when my son was born at 27 weeks for various reason I was without insurance right then, even though I was planning on getting some soon, well before he should have come. His medical bill for 4 nicu months was a MILLION dollars.
    He qualified for medicaid through his disability of low birth weight, and it all backdated. I wish I had known it would all be okay that day after he was born!!! We didn’t pay anything for his care. 
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  • lolly-poplolly-pop member
    Two things to look into if you do end up making too much to qualify for Medicaid, you may qualify for care through CHIP or you could seek out a Federally Qualified Healthcare Center in your area for care. FQHCs are required to have a sliding fee discount program, and can offer lower cost health coverage for those without insurance.
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  • knottie141c30db8bb122ccknottie141c30db8bb122cc member
    I also had a preemie and was still covered under my parents insurance but her hospital bills were 500k+. The nurse suggested to put the baby on AHHCS and at the time we qualified. Here in Arizona they do offer payment plans to people if you can’t pay your total hospital bill upfront. Also now that I’m married and have two sometimes it’s easier and cheaper to have one person and the child/children covered together and the other separate. Now I’m about to have three so it’s just better to do a family plan. 
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  • seeds_of_joyseeds_of_joy member
    An option to consider (that isn't insurance) is a medical sharing group. That's what I've had for years and it covered 2 of my homebirths completely. You get more of a choice as to what you want to do and get uninsured discounts because you're not bound by specific insurance. Basically instead of insurance, you're sending your bills to the organization and they bill other people in the group. For ours, we have a set amount every month and we get to send it directly to people in need with an encouraging note. It's really helped us with recent medical issues and I love having the freedom to go where I want and receive the treatment I want. I believe there are a handful of them out there. You just need to research it 
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