Okay, here's my problem. I am 27 weeks pregnant and my husband's company just changed insurance companies. My

Question

husband does contract work in Atlanta, GA for a company based in Washington. This new insurance company doesn't have any providers contracted in GA. Therefore, the insurance will only cover 50 % of my maternity needs. I am not working right now. My husband's makes decent money, but we are still going to have a really tough time coming up with the money for this. We will have to pay a total of about $3000 or so. Does anyone know where we could get some help? Or would it be wrong of me to ask for small donations? I normally would never do this---ask for money, but I just don't know how we are going to come up with that by January which is when our baby is due. Thanks to everyone who reads this.

Answer 1

If most of this money (3,000) is based on the hospital charges and not the OB fee, chose a hospital that HAS to see you and care for you, then you can pay them back monthly until it done.

Have you checked on blue/cross blue shield through the georgia health departments. In alabama, it is called "allkids". It is possible that you could get insurance on your unborn (just like medicaid, but with much less stringent financial criteria). The most you would pay is 50 dollars a month. If you make less than 30,000 for a family of three you MAY qualify for SOBRA medicaid in which they pick up the parts your insurance does not. Just because you have insurance does NOT mean you don't qualify for medicaid assistance.
Also, have you spoken to the insurance company directly and told them there are no providers in GA? There may be some loophole somewhere.
If you need help, I would approach my church and see if there couldn't be a donation taken for the baby in light of these unforseeable circumstances. Many churches, particularly methodist and first baptist establishments will help you with medical expenses.

Call the health dept. in your area and see if they have bluecross for unborn like alabama does, what it's called in GA and where you can call to get an application. Ask to speak with a medicaid counselor at the health dept. That is who has all the info.
Also, contact your ob. and see if they have any financing options.
You may just have to take a loan out, poor mom. It just isn't fair the company did this to you and you have to worry with this now.
Just relax and research your options...if you need help, there is nothing wrong with asking for it.
No man or woman is an island.

Answer 2

You could see about getting an independant insurance provider for about 6 months or so. It might be a little more monthly but it would drop your costs dramatically in the end. There's plenty in the phone book - just get coverage for yourself and see if it's worth it. That insurance company will pay the brunt of the bills and then your hubbie's insurance should cover the rest.
If that doesn't work, you could always have the baby at a hospital that the company does provide insurance coverage on. Think of it as a vacation - stay at the hospital a couple of days and then a hotel for few days - it might even be cheaper than the 3k!
Either way, don't ask for money. Most hospitals will set up a payment plan for you, even if it's over the period of a year or two (depends on the hospital). But as long as you make your payments on time you should be fine - remember, if you have the baby before January 1st then you'll get a nice chunk of change on your tax return with the new baby and that can always go toward the hospital bills (don't use a credit card - hospital's usually won't charge you interest, credit cards will). Even if you have the baby Dec. 30th, he/she will count for the 2006 tax year. Say you get your return in March, then you should only have about 2 months of hospital payments to save up for. Anyhow, congratulations! As a mother of two, I hope everything works out for you and your family! If it's a girl, you'll have to name her Nicci. (Just kidding!)

Answer 3

Check with your medicaid office. They have programs for uninsured pregnant women, they may help if you are under insured. This isn't the same as regular medicaid. You may qualify even if your income isn't that low. You might talk with the hospital too. They may work with you on a payment plan so you don't have to pay it all at once. Check with the insurance company again. See if they would put your current doctor on their list. Asking for donations is a touchy thing. Lots of people have babies or go through tough times financially. I'd only ask family members, or maybe ask at your church. Good luck, try not to stress about it. The stress isn't good for you when your pregnant, and it really will all work out eventually.

Answer 4

Is it possible the insurance company can reimburse you for some of these costs since they don't have any providers in the area that your husband is working in? If not, your husband should talk with the human resources manager. If the company is providing insurance to him, it should be accessible in the area that he is working in. I've never heard of such a thing. Good luck.

You might also want to check out if there are any medical programs that you may qualify for in GA. Check their government web-site and the web-sites of local hospitals. You might also check with and administrator at the hospitals.

Also, if someone is giving you a baby shower, I don't think it would be a bad idea to make mention of this special situation so your guests have the option of contributing to your medical expenses as a gift.

Best of luck for a healthy pregnancy, delivery and baby.

Answer 5

I agree w/ the COBRA extension answer. Your coverages will not change; however, you will have a monthly premium to pay with your current insurance company. COBRA extention will cover you, and everyone in your family, for 18 months??? Have your husband inquire on this with the HR department where he works.

Answer 6

Take him on your next docs pass to in case you could, and communicate on your rfile with reference to the fatigue, he will assure you the two that it quite is common. additionally, do you have a being pregnant e book like what to anticipate, or the Girlfriends handbook, the the two have sections on being drained, next time he says that, practice him the section. Are those important agency purposes the place he feels you would be ignored? tell him just to point out your being pregnant, and exhaustion, and his boss and acquaintances could desire to comprehend. If it quite is form of a social gathering at a acquaintances domicile, they'll comprehend, in the event that they are quite your persons. basically call the host and say you're pregnant and drained, this could artwork for close agency acquaintances additionally, in case you already know them or their important different properly sufficient, call beforehand of time and beg off, then tell hubby which you already advised them you weren't coming. stable luck.

Answer 7

Asking for money on here is not a wise choice since most of us are expecting as well. However, you should check into insurance offered by your state departments, such as pregnancy medicaid. It will help tremendously financially but only throughout your pregnancy. See what they can do for you.

Answer 8

It would be definitely wrong to ask for donation. The Lord who has given you this child has already made provision for the milk, isn't it?
Similarly he has also done some provision for your delivery also. Have faith in God and everything will be solved on its own accord.
Do not beg, or borrow.
With blessings,
chandrasai

Answer 9

you can get Medical assistance... They have a Medicaid program for Pregnant women in most states... You could check with your local Department of Social Services to see... Good Luck...

Answer 10

Can you call the old ins co & ask if they can cover you under COBRA for 18 months???