I have health insurance with my work however tomorrow is my last day here i thought about just continuing the insurance with Copra but come to find out today that is $342 a month to do. I have looked in to the maternity card but I'm kind of secptical about that and if it is really going to save me more then then $342 a month. I also thought about getting an individual plan with an insurance carrier at only $80-$100 a month but but im already 13 weeks pregnant and seen the doctor already, I've heared they wont cover the pregnancy sicne it pre exsisting.
Any ideas would help out alot!
2007-03-13 06:57:44 · 20 answers · asked by Anonymous in Pregnancy & Parenting ➔ Pregnancy
My last day is tomorrow because I'm starting a new job on the 19th however that new job wont offer me insurance till after my three month mark.
2007-03-13 10:30:01 · update #1
You have to have coverage or your new policy, whenever it becomes effective will NOT cover you if you had a lapse in coverage. Take the Cobra. When my husband was switching jobs there was going to be a lapse in coverage and we had to bite the bullet and pay so that I would be covered. Cut corners somewhere because you do not want to take the chance of not having coverage. Good luck.
2007-03-13 07:02:14 · answer #1 · answered by ShanaJ 4 · 0⤊ 0⤋
I am pregnant and on COBRA too. I think your best bet would be to stay on the COBRA plan at least until the baby is born if there's any way you can. Unless you think you would qualify for government assistance and be able to get a medical card. A medical card would be free and cover your expenses fully if you qualify. That would be worth looking into. Go to your state's government page and see if you can find out the income guidelines or who to contact about it.
I couldn't really find out much information about that maternity card either, but the impression I got was that they just negotiate lower rates from the hospital, they don't really pay anything at all.
Any new insurance you would be able to get wouldn't cover maternity since you are already pregnant. The best thing for you to do is use your COBRA coverage until the birth and then look into switching to something cheaper after that if you don't qualify for assistance.
2007-03-13 07:08:26 · answer #2 · answered by Tallulah 4 · 0⤊ 0⤋
Planned Parenthood or if you're in California there is Healthy Families that helps Pregnant women with Health Insurance and Insurance for the newborn.
I have not heard you will be turned down for being pregnant. Or just don't tell them when you sign up, then go see a doctor after you get the insurance.
2007-03-13 07:05:30 · answer #3 · answered by H57heiny 3 · 0⤊ 0⤋
You need to apply for government assistance, also known as medicaid. Contact your local Family Independence Agency or local clinics in your area, they will be able to help you. You may have to go through some of the steps again at the doctors office to reconfirm everything. Do you still have your papers stating your due date, because you will need those, you know your confirmation of pregnancy? Also, check with your doctor since you are an established patient, and make sure they accept Medicaid. If they do not Medicaid will set you up with a doctor. It is not as difficult as it sounds and everyone will take good care of you and everything is paid for.
2007-03-13 07:16:30 · answer #4 · answered by Anonymous · 0⤊ 0⤋
I had to switch insurances when I was pregnant. I was told with the new health laws that changed, etc.. That pregnancy is no longer to be considered a pre-existing condition. To help matters out with you, as long as you stay covered on insurance with no lapse in coverage at all, the insurance company should not be able to deny you coverage. Do some investigating.
2007-03-13 07:02:56 · answer #5 · answered by punkin_eater26 6 · 1⤊ 0⤋
Federal law states as long as you are purchasing a health plan that covers pregnancy you can't be denied - pregnancy is not a pre existing condition. I switched jobs recently and went back to the employer I worked for before I got preg and got on their health ins w/ no problem :) Good luck!
2007-03-13 07:37:27 · answer #6 · answered by FirefighterWife 3 · 0⤊ 0⤋
you won't be covered if you try to get insurance now. Stick with cobra I know it's expensive but I was cut off by my insurance without my knowledge and and I wasn't covered for a month and I owe 10 grand due to dr. visits and blood work and u/s. $342 is def. worth it. Good luck and congrats!!
2007-03-13 07:28:27 · answer #7 · answered by k 5 · 0⤊ 0⤋
First of all, pregnancy is no longer allowed to be considered by insurance companies as a pre-existing condition. So no worries there... at least in the US.
You really should apply for Medicaid if you can't find a reasonably priced insurance plan. Cobra is ridiculous, isn't it??
2007-03-13 07:04:03 · answer #8 · answered by Trouble's Mama 5 · 0⤊ 1⤋
You can get assistance from the state called Medicaid. And your right, since you have a pre exsisting condition not insurance will let you sign up. Good luck and Congrats!
2007-03-13 07:02:11 · answer #9 · answered by mrs.new_major_07 2 · 2⤊ 0⤋
Go to your county Department of Health and Human Services Office.
2007-03-13 07:03:47 · answer #10 · answered by clintea 4 · 0⤊ 0⤋