I got a girl pregnant and she has no insurance. Can she get insurance now? can she get a job with insurance?

Question

I have insurance but we aren't getting married. Can the state pay for it if she is unemployed? She is not charging me with child support but I will be signing the birth certificate. Who will be charged with the hopital bill? How much interest does a hospital charge while you are making payments. What is a efficient way to give birth?

Answer 1

Well, I would have expected you to be a bit more compassionate about the whole situation besides wondering who is gonna pay for what. But since this is how it is here's the scoop.

Since she is unemployed and unmarried, she should qualify for public assistance. Women, infant and children program (WIC) should be able to help her out with formula and nutritional needs during the pregnancy. She can also apply for HealthyStart so that she can get adequate prenatal care.

Your young lady might also appreciate your support, (not only financial), but emotional support and patience. This can be a very traumatic experience for a girl, especially having to go it alone. Since you are signing the birth certificate, shouldn't you be more than just the guy who helped you kid's mom get a free birth?

Good Luck

Answer 2

It depends on the laws in your state. I am a licensed agent in Arizona. Most insurance companies with not cover a pregnancy until the health insurance policy has been in force between 12-24 months before the insured becomes pregnant. If she gets a job with group insurance, she will have a waiting period before she becomes eligible for insurance. Anywhere from 3 mos to a year depending the company. Would the child be born during that time? She should also check with the human resources department to see if their insurance covers pre-existing conditions. The pregnancy could be considered a pre-existing condition. Also, check with your employer and see if your insurance covers significant others. If it does not, it still may cover the birth of the child because it is your child, if you are claiming it is yours. If your policy covers newborns immediately, then they usually cover the cost of the birth, which would be hospital costs for the child, but may not for the mother once the child has been born. Check with your benefits department first. Hospitals are open to many different payment plans. Also work through your insurance company and have them work with the hospital to negotiate down the price; this is done on a regular basis. The best way to give birth is under a doctor's care at a hospital. Too many things can go wrong which could result in the death of the mother or child or both. Now is not the time to think of efficiency. Although the young woman may not ask for child support now, be aware she can always come back at any time when you least expect it with a court order mandating you pay child care. It is in your best interest to go to a state mediator and arrange a child support agreement you can live with now. Would you like to be served with a subpeona 7 years later in front of a wife you have not told about the child?

Answer 3

wow there are so many answers to this question so I am going to start it off like so.
1. If she gets a job now, most jobs you have to work full-time 0-90 days before your health benefits kick in , so depending on how many months she is it looks prett bad. and despite the fact that employers aren't supposed to discriminate against the pregnant, really who is going to give a pregnant young lady a full time position.
2.Yes, she can get state covered health care, but if she does that, and you all are not married they are going to look for you to pay them back regardless because that's your baby, and you need to take responsibility for the baby coming into the world. Using tax payers money.
3. The mother of course will be charged the hospital bill, but if you two were married then it would be both of you paying because having a chld and you being married is a joint venture.
4. Lastly an efficient way to give birth..IS THERE A SUCH THING. I mean you can always go to a county hospital but ...I hope that I helped you out...

Answer 4

most job insurances won't cover it because it's considered a pre-existing condition before she got the job. depending on where you are from, some places have programs to help people in exactly this situation. the program around here is called "Help Me Grow" if you do not have a program or any insurance, then you are responsible for the hospital bill and anything else related. i don't know of any hopitals who charge interest (i can be wrong) but they will let you make monthly payments. as for the efficient way to give birth....that's depends on different factors and since i haven't had kids yet, i can't advise on it.

Answer 5

There is no efficient way to give birth. A birth of a child is a wonderful experience that should be planned. If you are not married she would be responsible for payment. Which is pretty expensive without any insurance. If she is unemployed she can apply for medicaid. It would cover all costs. That way you would at least know she would have a safe delivery. Good Luck!

Answer 6

She can get public aid, even if she had a part time job. The state will pay the entire bill. The government takes huge discounts off of hospital and doctor costs. As for if the state looks to the father for reimbursment, I do not know. Tell her to also check with the hospital's patient financial representative, that's what I do at my job, they can offer charity options, that could pay the whole bill in full...insurance or not. If she winds up with a spenddown or deductible from the state, they will have you fill out financial papers and her most recent 1040/ W-4 for verification of yearly income if she has no job as present. She can say she's living with you, but they can't use your income because you are not married thus none of your income is legally disposed to her.

Answer 7

tell her to go to the Department of Human Services. She may qualify for some Federal assistance - Title 9 and/or WIC, maybe more. So, the baby will have medical care and there won't be a cost.

If that doesn't work, you may be able to claim your unborn child on your insurance. When there is a major life change, insurance companies will allow changes to the policy. You may have to sign a paternity paper, but since you know it's yours, that's no big deal.

By the way, don't count on not paying child support. The state will force the issue if she has to have financial help from them.

Good Luck and Congratulations!

Answer 8

Medicade covers almost all pregnant woman and if she is uninployed she should qualify without problem. (the only exception is if there has been past fraud). You can not be held responsible until the baby is born. At least that is what the law was when I worked medicade but the laws are changing so fast it may have changed. But it is unlikely because it is considered her body and if they hold you responsible they will also have to give men rights to the baby prior to birth. But after the baby is born most states will seek an order requireing you to seek insurance if it is available at your work. Have her go to the local social service office with a doctors preganancy test. Many clinics will do them for free.

Answer 9

In most states, its very easy to get medicaid if you are pregnant. Especially if shes unemployed. It might be hard for her to find a job though because some places dont want to hire pregnant women.. You should call first thing in the am and make an appointment to apply or get an application for medicaid. Shell probably need a pregnancy statement from a DR. though.

Answer 10

Check with the state welfare department. In my state, being pregnant qualifies a woman for medical insurance. I believe your baby is covered on your policy (most from birth, some like 2 weeks after birth) but check it out. If you have domestic partner coverage on your work policy, see if you can get her pregnancy covered.