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insurance question
So I have went onto my husbands insurance because I have a new job that doesn't offer any. The insurance ***** and takes so much damn money from us. Were wanting to look into other insurance plans. Anyone else just pay outright for insurance? If so give me some tips for what we should look at! Im worried that with it being so bad when the baby is finally here they will not cover much of anything and im not just meaning labor delivery cost. Im thinking meds and check ups. Everything really.
You can apply to medicaid but you have to be low enough income to qualify. That's the states free plan she was speaking of. Your child may qualify for it even if you don't.
That is for the government subsidized insurance plans, you are correct. But to purchase on the open market after March, the rules are different.
She would not be eligible for your plan because you husband's employer is paying some of the cost of your health insurance. Company's that provide insurance to their employees negotiate with the insurance company for deals and better rates. They can do that because they are signing a lot of people up. This poster would have to purchase for just her family and would not have an employer negotiation for her.
This is also the reason your pregnancy was not considered a pre-exisiting condition while her's will be. Employee plans tend to be far better than individual plans and cover more. If you and your husband had to purchase an individual plan from Blue Cross Blue Shield after the March deadline, your pregnancy would also be considered a per-existing condition.
This is also the reason your pregnancy was not considered a pre-exisiting condition while her's will be. Employee plans tend to be far better than individual plans and cover more. If you and your husband had to purchase an individual plan from Blue Cross Blue Shield after the March deadline, your pregnancy would also be considered a per-existing condition.
It is illegal to refuse coverage to a pregnant woman based on her pregnancy in my state. I was told my an insurance rep that pregnancy can not legally be considered a prs-existing condition. So they shouldn't be able to refuse you for that.
You are kind of in a tight spot. Let's see if I can explain this well...
You missed the deadline to sign up for subsidized government insurance. The sign up period is from November to March every year starting this year. Theses insurance plans cannot discriminate against you for any preexisting condition and have minimum service standards - they have to cover maternity care. Depending on your income and family size you may be eligible to receive a subsidy or money back from the government to help pay for your insurance. These plans also limit the amount you can ever pay out of pocket, per year, to $6,000. Again, you will now have to wait till November to sign up for one of these plans.
State insurance option depends on what state you live in. If you live in a 'red state' chances are it will be hard for you to get state insurance if your family makes, before taxes, above poverty line. If your family is beneath the poverty line, you will be eligible for state insurance and I would suggest getting a hold of the health department stat. Some states will still require a co-pay and a premium depending on your income, but it will be minimal.
Private insurance....all I can say is buyer beware. Your pregnancy will most likely be treated as a per-existing condition and they will refuse to cover your prenatal appointments and birthing expenses. They can charge whatever they wish and you will not be eligible for a subsidy. There is no minimum service requirement so your coverage might be spotty.
No insurance. I have heard some people tout this as the way to go. I don't blame people for wanting to opt out of insurance all together, its expensive! But if, God forbid, you have a premature baby you will be responsible for $35,000-$100,000(+) of medical bills. The average c-section costs around $75,000. If your pregnancy and birth could be guaranteed to be perfect you might just be looking at $5,000 total in medical expenses. For me personally, it isn't worth the risk.
I hope that helps clear some of this up for you!
You missed the deadline to sign up for subsidized government insurance. The sign up period is from November to March every year starting this year. Theses insurance plans cannot discriminate against you for any preexisting condition and have minimum service standards - they have to cover maternity care. Depending on your income and family size you may be eligible to receive a subsidy or money back from the government to help pay for your insurance. These plans also limit the amount you can ever pay out of pocket, per year, to $6,000. Again, you will now have to wait till November to sign up for one of these plans.
State insurance option depends on what state you live in. If you live in a 'red state' chances are it will be hard for you to get state insurance if your family makes, before taxes, above poverty line. If your family is beneath the poverty line, you will be eligible for state insurance and I would suggest getting a hold of the health department stat. Some states will still require a co-pay and a premium depending on your income, but it will be minimal.
Private insurance....all I can say is buyer beware. Your pregnancy will most likely be treated as a per-existing condition and they will refuse to cover your prenatal appointments and birthing expenses. They can charge whatever they wish and you will not be eligible for a subsidy. There is no minimum service requirement so your coverage might be spotty.
No insurance. I have heard some people tout this as the way to go. I don't blame people for wanting to opt out of insurance all together, its expensive! But if, God forbid, you have a premature baby you will be responsible for $35,000-$100,000(+) of medical bills. The average c-section costs around $75,000. If your pregnancy and birth could be guaranteed to be perfect you might just be looking at $5,000 total in medical expenses. For me personally, it isn't worth the risk.
I hope that helps clear some of this up for you!
I have blue cross blue shield through my husband's work. I love it! I did have my own insurance before we got married but afterwards I got on his while his company was changing up the insurance a bit. I actually got on his insurance while pregnant, (found out we were expecting 4 days before our wedding). I had no trouble getting onto the new insurance and it wasn't even considered a pre-existing condition. I am not sure how much it actually is as the company pays the majority of the premium. I already have the deductible paid for because I had to have surgery awhile ago, so now with that being paid my entire labor and delivery is 100%covered. My deductible was like 3000 dollars and without it I would have to be paying over 6000 dollars for everything. So yea 3000 dollars is a little cheaper than 6000 haha.. I recommend blue cross! :)
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