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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?


*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 (41-50):
by on Aug. 5, 2013 at 3:06 PM

 not on purpose

by Anonymous 14 on Aug. 5, 2013 at 3:08 PM

Did you pay for it yourself?

Quoting CjEmmemommy:

We had our last child uninsured. We moved out of state at 8 weeks along and had the child without insurance.

by Anonymous 15 on Aug. 5, 2013 at 3:11 PM

I had to resort to Medicaid because of a similar issue. I lost my medical insurance through my job & when I applied for private insurance they said pregnancy was a pre-existing condition & wouldn't cover me. I asked my OB if he would see me without insurance & take cash & he said no. I didn't know what else to do but to apply for medicaid.

by Anonymous 16 on Aug. 5, 2013 at 3:11 PM
Absolutely not (in response to your title).
by Bronze Member on Aug. 5, 2013 at 3:13 PM

I personally wouldn't.  I would rather save money to spend on my child after they are born then spend it on the medical bills from doc appointments, sonograms, tests and then the actual birth and hospital stay.  I would wait unti 2014 when they are forced to cover your pre-existing conditions.

by on Aug. 5, 2013 at 3:16 PM
Dh was born when his mom had no insurance. She set up a payment plan and paid for it over 5 years. That just the cost of the birth/ hospital stay. She got free prenatal care somehow. That was also a vaginal birth so I wouldn't even want to know how long she'd have been paying if he was born c section. It was Fils great idea to remove the maternity coverage on their insurance because MIL had an iud. MIL used to tell dh that she could take him back to the hospital because she wasn't done paying for him til he was 5
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by Anonymous 5 on Aug. 5, 2013 at 3:17 PM
You have $10,000-$20,000 to cover the bills? If not I would never put my family in debt when I could wait a year.

Quoting Anonymous:

I could wait, but like I said, I was trying to time it so that the baby would be born in the summer and I don't know how much longer I can handle my menstrual cycles (yes, they are that bad!). Plus, a lot of insurance companies make you wait 12 months before they will cover maternity issues.
Quoting Anonymous:

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.

by Metal Awareness on Aug. 5, 2013 at 3:20 PM
I would wait.
by on Aug. 5, 2013 at 3:21 PM
No. I had complications my first pregnancy, if not for insurance I'd be in debt until I was 90 years old.
by Beach Bum on Aug. 5, 2013 at 3:24 PM

No I wouldn't. The cost of medical bills, delivery, postpartum visits and child visits can be astronomical. My hospital bill alone was insane.

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