pregnancy and no insurance for half my pregnancy (years, early, months)

[glass_of_merlot]

I might be pregnant. We are currently uninsured for the next 6 months. My husband was promoted at work but the bad part of that is that now we don't have any insurance again until September.(long story)
What are our options if any? I know we have to pay out of pocket but
I want to know how much we are looking at. Once his insurance
Kicks in again by September we will be fine but until then?
This is making sick to think about.Almost to the point that I don't want this pregnancy
Even though I want it more than anything.
Over the years my husband and I have been paying thousands and thousands of dollars to insurace companies and only used then a hand full of times. Now when needed the most w might be out of luck.Go figure

[theoldnorthstate]

public health service

take good prenatal care yourself

pay out of pocket with your current obgyn or physician

that should get you to Sep if you are pregnant

hang in there. good health is all in your favor and Sep will come before you know it.

and don't worry. just do your best to keep yourself healthy.

[glass_of_merlot]

Thanks

[Penguin_ie]

Are you sure your pregnancy will be insured by the new insurance, even though you will have been pregnant quite a while?

We self-paid for my last pregnancy. Contact your normal doctor's office and see if they offer discounts for self-paying/ paying ahead of time. We got a substantial (30%) discount for paying for all visits, labs and standard u/s at the first visit.
Check into being seen by a midwife, this is usually much cheaper and they can refer you to the hospital for the 20 week anatomical u/s.

[Ivorytickler]

Originally Posted by glass_of_merlot

I might be pregnant. We are currently uninsured for the next 6 months. My husband was promoted at work but the bad part of that is that now we don't have any insurance again until September.(long story)
What are our options if any? I know we have to pay out of pocket but
I want to know how much we are looking at. Once his insurance
Kicks in again by September we will be fine but until then?
This is making sick to think about.Almost to the point that I don't want this pregnancy
Even though I want it more than anything.
Over the years my husband and I have been paying thousands and thousands of dollars to insurace companies and only used then a hand full of times. Now when needed the most w might be out of luck.Go figure

You'd better double check that the pregnancy won't be considered a pre-existing condition. One of my neices was born a few days early and that nullified coverage for my sister's entire pregnancy. She wasn't pregnant when they got the policy but the insurance company counted back from the birth date and that made her pregnancy a pre-existing condition so it wasn't covered.

I'll second public health. You should be able to get pre-natal care through the health department if you can't get health coverage through the state. I'm in Michigan and I think we have something that covers pregnant women and children. Check to see if your state has anything.

[DubbleT]

If you are still in MS call MIFA, they can point you to the resources you need.

[Lizita]

And this is the system people are fighting tooth and nail to keep.

[Ivorytickler]

Originally Posted by Lizita

And this is the system people are fighting tooth and nail to keep.

What's wrong with the system? Just because some people don't cover themselves doesn't make the system wrong. Too bad we can't do what we did with car insurance and require people to be covered. If someone chooses not to have insurance, and then ends up with a pre-existing condition, that's the direct result of their choice to not have insurance. My dad worked two jobs to keep insurance for our family when I was a kid. I would sell my house before I'd let our policy lapse given dh has had three heart attacks and his heart condition would become a pre-existing condition for a new carrier if we allowed the policy to lapse.

Yes, I'm fighting to keep this system. I do not want the government making medical choices for me. I'd rather pay the bill myself and make my own choices, thank you. Our current system has safety nets to catch the needy. What it doesn't do is make it easy on those who just want it to be easy. I'm ok with that.

[glass_of_merlot]

Thanks for your advice. We will research this on Monday and I let you know.
Thanks

[Dave5150]

The Children's Health Insurance Program

Childrens Health Insurance in mississippi (if you are still there) covers pregnant women. From my experience, there is not a state in the country that does not provide medical coverage to pregnant women.