Pregnant with no insurance! What do i do?

Question

Im 24 years old and pregnant with my first child.I have no insurance and I dont quilify for medicaid because my boyfriend in I make like $400 over the limit to quilify. I cant get married and be put on my boyfriends insurance because I wont cover me because it is pre-existing condition. I cant afford all these prenatal visits by our selfs. Is there anyone who can help me or tell if I have any other options, I have called maternity advandage for help but the want $199 a mth to reduss my hospital bill?

Answer 1

Good luck!   What a terrible situation.

Answer 2

Not true YES  you can be put on his insurance if its a group plan I WAS JUST PUT ON MY HUSBANDS AND IM 19 WEEKS PG.  IT WAS EASY.  His company uses United Health Care.

Answer 3

First off, pregnancy is by law not considered pre-existing with any group policies. See this government website: http://www.dol.gov/ebsa/faqs/faq_consume... and look under "what is a preexisting condition?"

Second, maternity advantage is just a discount, you actually would pay more with this plan than if you negotiate a discount yourself. The same goes with other discount plans as well.

Third, you can negotiate a discount and/or payment plan with all hospitals and almost all doctors.

Answer 4

can you get a loan from friends and family?

and yes I agree, should have thought about the money before getting pregnant.  But this is after the fact.

Not to make a situation worse, but you probably won't quality for daycare assistance either.

Whatever happens, after the pregnancy make sure you get some good birth control.

Ask YOUR family and HIS family for a loan!!!  That's your best bet.

Otherwise, consider other options like adoption.  The adoption parents can provide healthcare.

Answer 5

First of all, if you get married, your boyfriend (then husband) can add you to his insurance because pregnancy cannot be considered pre-existing on a group policy.

If that doesn't fit into your plan, your only other option is to pay cash for all services. Doctors and hospitals have cash prices for delivery--then all you need to do is pray for an uncomplicated delivery and healthy baby.

Answer 6

Try this program its for women who are pregnant with little or no insurance that don't qualify for medical.  www.aim.ca.gov.com

Who Can Qualify?

To qualify for AIM, you must be:

Pregnant: You must be pregnant, but not more than 30 weeks pregnant, as of the application date. Application date means the date the complete application is sent to the AIM Program as shown by the U.S. Postal postmark date on the application envelope, or documentation from other delivery services.

Count your weeks of pregnancy by starting at the first day of your last menstrual period. Use the AIM Pregnancy Calculator to see when your deadline is for applying for AIM. You can also see when your baby is due.

A California resident: You must have lived in California for the last 6 months.

Not in other programs: You cannot be receiving no-cost Medi-Cal or Medicare Part A and Part B benefits as of the application date.

Not covered by private insurance costing less than $500: You cannot have maternity benefits through private insurance, unless your coverage has a deductible or co-payment specifically for maternity services that is more than $500 as of the application date.

Within the AIM income guidelines: You must have a monthly household income (after income deductions) within AIM income guidelines. Congrats to you and your boyfiend. Good luck!

Answer 7

Did you apply for medicaid under the state children's health insurance plan?  If so, then you probably make plenty to pay for the birth - the chips guidelines are VERY generous.

If your household income is over $50,000, you can pay out of pocket.  It will hurt, but you can do it.  If it's under, you probably qualify for chips.  

Also, consider a home birth, or a birthing center birth, rather than a hospital birth.  The homebirth with all prenatal will run you under $2500, and a birthing center birth around $3500, while a hospital birth will probably run you $7,000.