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Would you have a baby without health insurance? *ETA*

Posted by Anonymous   + Show Post

I have 2 children from a previously relationship and dh and I have 1 son together. About a year ago my dh switched jobs and with the new job we have to get private insurance (is employer pays a portion of it) instead of group insurance. Well, after going through the 3 health insurance companies available to us (BlueCross, United Healthcare, Covenant) none of them will cover me due to "pre-existing conditions" some of which I know longer have, because they were just MINOR issues with my last pregnancy and because I have been to a chiropractor. 

Anyway DH and I have been wanting another child, especially since he only has one of his own and I would like to ttc SOON because I am starting a new teacher associate position and a summer baby would work out great, and I also don't want a huge age gap between my youngest and the next baby, and I also have horrible menstrual cycles and the dr has agreed to a hysterectomy when we are done with kids, so I don't want to wait to much longer. 

DH wants another one, but he doesn't want to ttc until I have health insurance, which I understand but we also don't know how long it will be until I can get health insurance. 

What would you do?

*ETA* 

*First, I want to acknowledge that things could go wrong to affect these prices but here is what we have been told and have looked into when looking into insurance*

When we first looked into insurance, we were told that maternity insurance is ALMOST pointless, because a lot of times not everything is covered and there is a lot of fine print. When we talked to more people they told us basically the same thing. We also live in the state of IOWA and therefore healthcare cost are ALOT cheaper here than in other states. I qualify for state insurance,for people with pre-existing conditions, called HIPIOWA, the reason we have choosen not to take this insurance is based on the following numbers:

Cheapest policy in HIPIOWA without materinty insurance is around $300-$350 a month with a $10,000 deductable, with materenity coverage it goes to up to $700-$750 with the same deductable. PLUS, we most carry the policy for 12 months before gettting pregnant.

So it would cost us $700 x 12  = $8,400 + $700 x 9 (or 10 months if you want to get technically of pregnancy) = $6,300 + $10,000 deductable = $24,700 (this is also not including the cost of co-pays)

the average cost for a c-section/pregnancy in my area is around $10,000- $15,000 (the average being $12,000). So IF the pregnancy/delivery went good and everything was healthy it would cost less to have the baby out of pocket. 

And like I said I could wait, but I don't necessarily want to because of the reasons listed above. And so far with my few times of seeing a dr in the last year, my cost have been cheaper than when I was on insurance, but again, I thankfully haven't had major health issues or an accident. 

Posted by Anonymous on Aug. 5, 2013 at 2:32 PM
Replies (21-30):
Anonymous
by Anonymous 1 - Original Poster on Aug. 5, 2013 at 2:48 PM


I would have to have a csection, so no homebirth, and DH really doesn't like the idea of government assistance even though I told him that would be an option. 

Quoting Anonymous:

Can you apply for temporary state public assistance (Medicaid)?

Or you can try a home birth, etc...

I wouldn't get pregnant if I couldn't afford it. Even you though may be able to afford the hospital stay, there are lots of other things can could (knock on wood) go wrong and that can add up. God forbid something goes wrong in deliver and you need an emergency c-section (expensive), or the baby has complications? Or is born with some sort of disability and needs therapy - insurance companies frown on covering those pre-existing issues.

I'd wait. You never know what could go wrong... But if you want a child, get going with that insurance. If you can afford a baby and this is the age gap you want, don't wait any longer than necessary and don't delay on getting insurance. I had an issue with having my second at the age gap I wanted, and I've always regretted it (in a weird way).


Anonymous
by Anonymous 1 - Original Poster on Aug. 5, 2013 at 2:49 PM

That doesn't go into affect until 2014 at the earliest, plus I don't know how much it will cost to have those pre existing conditions covered. 

Quoting Mcelly:

When was the last time you applied for coverage? I don't think they can turn you down anymore.


Hartbrayka
by Silver Member on Aug. 5, 2013 at 2:52 PM

 I know it used to be like this, but check on it and don't take my word for it in case it has changed.  But years ago Medicaid covered ANY female who was pregnant.  Regardless of your financial situation.  I think that if you don't qualify for the free one, then you have to pay a monthly fee, but it was something silly like $20 a month.  This was 12 yrs ago, so I would check if that has changed.  OR you can wait until January for Obamacare to have taken off. 

Anonymous
by Anonymous 1 - Original Poster on Aug. 5, 2013 at 2:52 PM

We can get private maternity insurance still in our state but its EXPENSIVE. It is actually almost cheaper to have a baby out of pocket (if you have a healthy pregnancy, of course) 

Quoting crysiann:

Well, I am sort of in the same situation. But, I would double check it, because in my state every insurance I call tells me that they do not cover anything related to pregnancy on private policies any longer. So, the only way I could have coverage for pregnancy is if I went on state insurance. I have no other option. So, I don't know what to do either.


tonijustine
by Silver Member on Aug. 5, 2013 at 2:53 PM

A couple of things to consider..

The Affordable Care Act gets rid of pre-existing condition limitations as of 1/1/2014.  

Additionally, individual coverage will be guarantee issue.

Public exchanges will be online (or so the Administration hopes) on 10/1 for coverage to be effective 1/1/14. Think of these exchanges like Kayak for health insurance. 

I wouldn't have a baby without health insurance because so many things can go wrong and our bill for an overnight stay in the NICU just to use the bill-lights was $6000 discounted to $2300. He was perfectly healthy otherwise. The bill for labor and delivery was over $23,000.   Way too much can go wrong and you may be left with no choice but to file for medical bankruptcy which isn't the way you want to start out with this baby.

justinnaimee
by Platinum Member on Aug. 5, 2013 at 2:55 PM
I'm pregnant and we don't have insurance.
bcauseimthemom
by Ruby Member on Aug. 5, 2013 at 2:55 PM

Wait.

Anonymous
by Anonymous 5 on Aug. 5, 2013 at 2:55 PM
2014 is 4 months away. Can't you wait that long


Quoting Anonymous:That doesn't go into affect until 2014 at the earliest, plus I don't know how much it will cost to have those pre existing conditions covered. Quoting Mcelly:When was the last time you applied for coverage? I don't think they can turn you down anymore.
Anonymous
by Anonymous 9 on Aug. 5, 2013 at 2:57 PM

I wouldn't.  Unless you really want to pay all of your prenatal visits, hospital bills, and pediatrician bills out of pocket.  Those costs are going to add up quick.  And heaven forbid the baby ends up in the NICU or has to be hospitalized for some reason.  

crysiann
by Platinum Member on Aug. 5, 2013 at 2:57 PM

 

yeah, it feels like the government is really pushing us to have to be on Medicaid. I can afford insurance, but, what's the point of it if it doesn't cover anything?!

Quoting Anonymous:

 

yep our state is the same way. no private insurance covers prenatal care. your only option is to pay cash or get medicaid. we didn't know that till after we got pregnant so we had to get medicaid. next time around we planning on just paying cash as thats really our only option.

Quoting crysiann:

Well, I am sort of in the same situation. But, I would double check it, because in my state every insurance I call tells me that they do not cover anything related to pregnancy on private policies any longer. So, the only way I could have coverage for pregnancy is if I went on state insurance. I have no other option. So, I don't know what to do either.

 

 


 

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