I have no health insurance and don't qualify for assistance. What are my options for getting prenatal care?

So what should i do now? I don't have health insurance to cover my pregnancy, and husband and i make too much for any type of assistance including chip perinatal. The doctors cost is $2520.00, and that does not include any lab work or ultrasounds. The ultrasounds are $300.00 each, and i don't know about the labs. Plus the delivers for the hospital is @$5000.00. I doo not have near that much saved, and you have to have the doctors part paid in full by month 6. I don't think i can swing all that in that amount of time. especially with the labs and stuff. So what should i do now? Should i see if they will allow me to have less office visits and less labs? I was on a site earlier looking for midwives in my area, but it wasn't pulling up any. We live in a very rural area.

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Anonymous

Asked by Anonymous at 3:28 PM on Feb. 18, 2009 in Pregnancy

This question is closed and filed in the CafeMom Encyclopedia.
Answers (10)
  • Call private insurance companies and see what you find out. You can probably get on insurance for less than $100 a month and it might help some.
    Anonymous

    Answer by Anonymous at 3:30 PM on Feb. 18, 2009

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  • quit work and maybe in a mo or so you'll qualitfy for something. is there no way you or hubby can afford ins through where you work? i am so sorry for you. are you a member of a church? maybe they could pitch in and help. idk if these sugg help or not, good luck.
    KARRIEMARIE

    Answer by KARRIEMARIE at 3:31 PM on Feb. 18, 2009

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  • i agree with the first answer. call private insurance companies. some may be pricey, but you figure you can cover your family for $200 a month, and save thousands in the end. i would just do some research and check out private insurance.
    Amanduhpanda

    Answer by Amanduhpanda at 3:31 PM on Feb. 18, 2009

    Credits: 1001 Level 13
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  • My company offers healthcare benefits, it's not insurance but it can save you up to 80% on everything. We accept pregnancy. www.mybenefitsplus.com/clanders
    TheDiva320

    Answer by TheDiva320 at 3:33 PM on Feb. 18, 2009

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  • Look into a birth center or home birth midwives. You get prenatal care for a fraction of the costs. It's good to have insurance in case of emergencies but for low risk pregnancies they are the safest option out there. In my area a home birth midwife is 1500-3000 dollars and that includes are prenatal care, tests, as well as delivery fees.

    always look into private insurances too.
    celticreverie

    Answer by celticreverie at 3:42 PM on Feb. 18, 2009

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  • my sil had that issue, her first child had a heart problem ... she is a florest and owns her own business so doesnt have insur on herself... she found a doc that would take a payment plan and she will just pay it off like a car during the next 4 yrs... yes you can say you dont want all the test. you can do that anyways and lessen the visits ... find a doc that does the payment plan so that you just have to pay a little every month and no stress! good luck!
    AmaliaD

    Answer by AmaliaD at 3:43 PM on Feb. 18, 2009

    Credits: 12263 Level 22
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  • You need insurance because it's irresponsible to bring a child into the world without being able to get them proper health care. Keep in mind that the SECOND the baby his born, he/she begins accruing charges of their own. It's going to cost much more than you are estimating.
    Anonymous

    Answer by Anonymous at 4:05 PM on Feb. 18, 2009

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  • In case many of you havn't heard. If you are pregnant you cannot obtain an individual insurance policy. Any agent and company will tell you that. And if insurance is not offered through there employer, there is almost nothing they can do. It is just the way the screwed up system is. If you don't believe me call some companies such as blue cross or unicare and ask them if an individual plan will cover pregnancy or if a pregnant woman can even obtain it. The answer you get will be no.
    Anonymous

    Answer by Anonymous at 4:23 PM on Feb. 18, 2009

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  • I think every pregnant woman qualifies for pregnant medicaid or whatever it happens to be called in your state. They HAVE to take you with the exception that you will have to pay out in a deductible whatever you make over their income threshold. I would get signed up for it and only use it if the worst happens. If your baby ends up in the NICU for two weeks you could have to pay millions of dollars. I'm sure you wouldn't mind making up the difference in this case. If all goes well and paying out of pocket is cheaper than making up the deductible then hospitals have excellent payment plans with 0% interest. I've had a baby with private insurance (which is like no insurance) and I paid $5K total for a 24 hr hospital birth. That included everything. The previous poster is right. You are not insurable with private insurance now that you are pregnant.
    Anonymous

    Answer by Anonymous at 10:39 PM on Feb. 18, 2009

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  • I understand exactly where you are coming from, I was laid off in Feb 09. I just found out i was pregnant about 2wks ago. My boyfriend tried to add me on his insurance and they told him that he has to wait until November and that services will not be available until January, so where does that leave me. I am looking into trying to receive medicaid but i am unsure on how successful i will be with that either. I am not a woman who wishes to use the system, I am well educated with a Masters degree, its just truly sad how our economy is right now, and people still refuse to agree with Obamas health plan, you never know where life can lead you. This is just really sad...I am not only afraid for you and myself, but for other women out there who are going through the same thing and dont have support systems....
    Anonymous

    Answer by Anonymous at 1:53 PM on Aug. 23, 2009

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