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While I do know that not everyone can afford insurance if it is not provided thorugh their employer.... but if you are PLANNING to get pregnant, as is the case of the OP, wouldn't part of the PLANNING include the financial (which was the purpose of this post). Now, if you're planning, and you know the cost is a factor, wouldn't 5400.00(300.00 x 18 months) be well spent to cover the pregnancy and any unforseen problems? I would go with getting insurance.... I would not want to be in the position of.... My baby (or I) need this treatment... I cannot pay for it right now.... I could use public assistance, but I have to go to a clinic in where the doctors are overworked or I make too much money to qualify for the procedure to be covered... or the doctor won't list the procedure as a necessity, so medicaid (or whatever) won't cover it at all.
The OP is showing that she is being responsible by getting her information before she gets pregnant. The responsible thing to do is get insurance.
Public aid allows you to go to places other than clinics! I am VERY responsible and I am on public aid.
IF she can afford the cost of delivery out of pocket, she needs to get insurance if anything. Not public aid. That is for people who can not afford insurance.
sorry, just because you are working class and can't afford insurance does NOT mean you should NOT be able to enjoy having a family!
Never ever said that. Are you infering that "working class" people cannot be responsible? I don't believe that to be true. I do believe people can (and often do!) delay gratification and make sacrifices to make responsible choices for themselves and their family. Public assistance is for people who find themselves in unfortunate circumstances and need temporary assistance so they can lift themselves out of those circumstances. I don't believe a planned pregnancy generally qualifies. The OP infered that she had some finances available to pay for the cost of a pregnancy and delivery - your answer seemed to say don't worry about it just go on public assistance. She would be better off to use that money and pay for insurance. I do understand (more than you could realize) how expensive insurance is. I also understand how expensive unexpected emergencies are. Wonder if that baby has a serious problem and will require years and years of care and multiple surgeries? How then does a "working class" family ever ever get ahead? Try getting insurance then - with a pre-existing condition. Why set yourself up for a possibility of a lifetime of financial burden if that could possibly be avoided. JMHO
Last edited by maciesmom; 12-20-2008 at 04:20 PM..
Reason: afterthought
Never ever said that. Are you infering that "working class" people cannot be responsible? I don't believe that to be true. I do believe people can (and often do!) delay gratification and make sacrifices to make responsible choices for themselves and their family. Public assistance is for people who find themselves in unfortunate circumstances and need temporary assistance so they can lift themselves out of those circumstances. I don't believe a planned pregnancy generally qualifies. The OP infered that she had some finances available to pay for the cost of a pregnancy and delivery - your answer seemed to say don't worry about it just go on public assistance. She would be better off to use that money and pay for insurance. I do understand (more than you could realize) how expensive insurance is. I also understand how expensive unexpected emergencies are. Wonder if that baby has a serious problem and will require years and years of care and multiple surgeries? How then does a "working class" family ever ever get ahead? Try getting insurance then - with a pre-existing condition. Why set yourself up for a possibility of a lifetime of financial burden if that could possibly be avoided. JMHO
I agree. If you're planning to have a family, you should put insurance as a priority. It's all about priorities. My parents made $35,000 together last year and still had insurance even though they own a small business. They were paying about $450/mo for private insurance, but it was a priority to protect themselves. I think if more people put health insurance as a priority, we wouldn't be in the situation we're in. (stepping off my soapbox now).
IF she can afford the cost of delivery out of pocket, she needs to get insurance if anything. Not public aid. That is for people who can not afford insurance.
Actually, people who CAN'T afford insurance but have too much money to qualify for public aid make up more of the population than you think!
Same with college. My husband doens't qualify for financial aid but there is NO way we can pay monthly!
Never ever said that. Are you infering that "working class" people cannot be responsible? I don't believe that to be true. I do believe people can (and often do!) delay gratification and make sacrifices to make responsible choices for themselves and their family. Public assistance is for people who find themselves in unfortunate circumstances and need temporary assistance so they can lift themselves out of those circumstances. I don't believe a planned pregnancy generally qualifies. The OP infered that she had some finances available to pay for the cost of a pregnancy and delivery - your answer seemed to say don't worry about it just go on public assistance. She would be better off to use that money and pay for insurance. I do understand (more than you could realize) how expensive insurance is. I also understand how expensive unexpected emergencies are. Wonder if that baby has a serious problem and will require years and years of care and multiple surgeries? How then does a "working class" family ever ever get ahead? Try getting insurance then - with a pre-existing condition. Why set yourself up for a possibility of a lifetime of financial burden if that could possibly be avoided. JMHO
I agree. If you're planning to have a family, you should put insurance as a priority. It's all about priorities. My parents made $35,000 together last year and still had insurance even though they own a small business. They were paying about $450/mo for private insurance, but it was a priority to protect themselves. I think if more people put health insurance as a priority, we wouldn't be in the situation we're in. (stepping off my soapbox now).
I don't see how that works! We make 32,000 a year, and have a daughter. We pay mortgage, car payment, car insurance, gas, fuel, electric, food and home phone. There is NO way we could afford to pay 450 a month for insurance.
Anyhow, I would NEVER pay that much for insurance! That is outrageous! If anything, my husband and I are looking into "emergency/hopitalization" coverage. We are healthy and don't go to the doctor often. We are happy with the coverage the state GIVES to children for free. It is how it should be. We shouldn't have to PAY for a child's insurance. It should be a right that comes with birth and at least until someone is done with schooling.
Sorry - don't see that. Maybe I'm just missing something. My advice to the OP would be to wait to have that 3rd child until she can afford insurance to take care of herself and all three of the kids....Not to go on public assistance.
I don't see how that works! We make 32,000 a year, and have a daughter. We pay mortgage, car payment, car insurance, gas, fuel, electric, food and home phone. There is NO way we could afford to pay 450 a month for insurance.
Anyhow, I would NEVER pay that much for insurance! That is outrageous! If anything, my husband and I are looking into "emergency/hopitalization" coverage. We are healthy and don't go to the doctor often. We are happy with the coverage the state GIVES to children for free. It is how it should be. We shouldn't have to PAY for a child's insurance. It should be a right that comes with birth and at least until someone is done with schooling.
How do you see insurance as a "right"??? And I hate to tell you $450 isn't even that bad. When my husband got laid off, we paid COBRA which was over $1000/month. From our savings until he got a new job. (We are not wealthy people) Fortunately we did. It turned out my HEALTHY 15 yr. old daughter had a growth in her neck near her carotid artery. An MRI, CAT scan, biopsy, 2 top neck surgeons, and accompanying specialists (anesthesiologist, neuromonitoring etc) later not to mention follow ups, she is fine. I am very grateful and never griped again about the cost of insurance. If we would have depended on public aid we would not have been able to be selective about the surgeons performing a very delicate surgery which could have resulted in all kinds of complications. Please do not lecture me on working class people or any rights to have the rest of us pay for what you CHOOSE.
You seem to be able to afford a house, car and college. I would certainly think you could find a way for insurance of some sort - even if for catastrophic only. BTW - I've done that too.
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My advice to the OP would be to wait to have that 3rd child until she can afford insurance to take care of herself and all three of the kids....Not to go on public assistance.
