Join Date: Feb 2004
Location: My own private Idaho
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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?
Wife to an amazing hubby, mother hen to four (If you're curious, 2003, 2006, 2008, 2010, and yes, it's a busy house)