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insurance panic!!

post #1 of 7
Thread Starter 
i just found out today that i lose my insurance when i turn 19... the baby is due 4 days before my birthday and the midwife i wanted charges around $4000 :/

is there anyway i can make her charge the insurance a month before the baby?

I'm so lost right now i have no idea what i should do.
post #2 of 7
are you on your parents' insurance? I was on my mom's insurance when Nicolas was born (I was 19) but they continued to cover me as long as I remained 1/2 time in college. Can you sign up for some goof off classes at your community college? Like maybe art classes or something not too demanding yet fun? I enjoyed my sculpture classes while I was pregnant. Something about just being creative while creating a new life REALLY brought out my artistic side.
post #3 of 7
Thread Starter 
I've thought about that.. but i'm not sure what the deal is with my parents insurance.. and i'm not sure if i'll have time to take a class because i have to work at least 40 hours a week maybe more for awhile so i can afford to take at least 2-3 months off of work before going back to work with the baby.
post #4 of 7
hmm....you know, now that I think about it, I never went back to school the fall semester before Nicolas was born....and they covered me until the birth and Nicolas until 6 weeks after. Maybe you could call the company and find out if they will cover you continuously, especially since your EDD is so close to your birthday. I mean, we're talking about an extra couple of weeks max, you know?

As for your midwife, she probably won't want to bill for the birth before it happens, just in case she has to do something extra. Are you planning a homebirth? In the unlikely event of a transfer to the hospital, you would be stuck holding the bag for the hospital charges. If you're planning an unmedicated hospital birth....well, there's all sorts of things that could happen then that are impossible to plan before hand. I'm not trying to scare you, really I'm not, it's just that birth can be unpredictable.

I think your best bet would be trying to talk to the insurance company first. If they won't budge, find out if your midwife takes your state insurance. What state do you live in?
post #5 of 7
If you can't do college courses in person, do you have a local college that does online courses or something? It sounds kinda like the insurance my parents had... It covered me until 19yo, unless I was in college full-time, then it covered me till 23yo. (And my horror story is that for that month *after* I turned 23yo and a month *before* my new job's insurance kicked in I had a missed miscarriage... anyway, $5K later, in cash, the month after we got married was not so fun.) Oh, and fwiw, a hospital birth *could* end up costing you more out-of-pocket than a midwife even with insurance. My oldest was born at a hospital, to the tune of $25K (we had to pay $5K out of pocket total for everything). Either way, it'd probably be a safe bet for you to start socking away money for the birth so you don't have baby debt hanging over your head during your babymoon.

Oh, and my insurance company? Won't even accept a prenatal/delivery bill from my midwife until after the fact. At all. PITA, that's for sure. So we have to cough up the money beforehand and wait a few months for the insurance company to send us a check for reimbursement. I guess I should be happy that they at least do acknowledge midwives...

Anyway, get all the details you can from your insurance company. See if they'll give you an extra month grace period after your "time's up" - you never know until you ask. See if there's any state (or federal?) type aid you can qualify for. If you're working 40/hrs/wk at a job, does that qualify you for insurance through that company?
post #6 of 7
Do you think you could qualify for pregnancy medicaid? In my state, you qualify if your income is less than 180% of poverty level, and they allow midwife assisted births. It may be something to look into.
post #7 of 7
I had medicaid for my first pregnancy... you should look into it.

Your midwife cannot charge you for services she hasn't yet rendered, that would be insurance fraud.

Hope it all works out for you.
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