Pregnant with no Insurance?

Question

Hello~ I just found out that I am 5 weeks pregnant...here is my problem, I dont have a job or insurance...my live in bf has a great job that makes great money so state medical wont help us out that much, but he doesnt make enough money to pay for everything. I have a pregnancy discount program but no one in my area will work with it...does anyone know of an insurance that I can get or a governmet program that might help me?

Answer 1

I have heard of a program that offers discounted services. You could check them out!

Answer 2

Um as far as I see it you have three options here.

1. You can marry your boyfriend and get put on his insurance, if he has any. You say he has a good job, therefore he must have insurance. The fact of the matter is it will cost you a SUBSTANTIAL amount of money to have this child without insurance. Most physicians will not provide you with prenatal care if you are uninsured.

2. You can move out while you are pregnant (live with your mom, live with a roommate, live with his mom, his sister, anyone other than him) so that they don't consider his income with yours. As long as you make below the limit, you and your baby are covered by medicaid (check your state's requirements).

3. You can job hunt and look for employers that offer benefits within a few months. My summer job (which is a regular old retail store) offers insurance to employees upon three months of employment. At least then your insurance would cover your third trimester prenatal appointments and the delivery. Pregnancy is not considered a pre-existing condition.

Answer 3

We had the same problem (except my hubby and I are married). He makes a great living to support us, but not enough to pay $400+ per month for insurance. I decided (after finding out that to have a hospital birth it would cost well over $10k in the Denver area) that I would go with a midwife. I researched a bunch of them and found one I love. She only charges $1950 for the whole birth. For me it was a great option. I get to be comfortable at the birth (with pain meds if I choose), can have the baby at home, and don't have a nurse in my room every few hours checking on me. I am even considered high risk (1st tri bleeding) and she can still see/monitor me just fine. Just a suggestion. :) Congrats and good luck!

Answer 4

If his job is so good why not just get on his insurance. Also you may be able to get wic they count the baby as a member of the family so for a 3 person household you should qualify but he has to be a member of the household he can't just stay there. Also you two are not married so you should be able to get state heath insurance on your own . WIC gives you milk, cereal eggs and cheese they give you coupons they kind of look like checks you take it to the regular super market and pay just like it's cash also you can get formula free for the baby when the baby comes and then when the baby starts food they give you baby food and baby cereal, milk and juice it's a good program use it when you need it and when your back on track just stop using it. Also a good resource is family planning they can get you signed up with WIC and insurance and free clinic care. Good luck with everything hope I could help I know what it's like to need a little extra help.

Answer 5

Go apply for Medicaid. Why are you using your boyfriends income as your own? You aren't married. Don't put his income on the application.

Some doctors will do a flat rate deal. It covers all appointments , ultrasounds, tests, labor & delivery. It can range from $2k-$5k depending. Go to your local church and see if they know of any such doctors.

I'd say reapply for medicaid but don't claim your bfs income. I'm surprised you did that in the first place.

Answer 6

Have you applied for medicaid? There may be other programs that you are eligible for even if you can't get medicaid. Also, go to your local WIC (Women Infants and Children) office if there is one in your state. They may also be able to help. I would also try the Health Department. Where I live, there are wonderful midwife's you can get through the Health Department.

Answer 7

I don't know of any programs but you may talk to the doctor you want to use and see if he will allow you to make payments. You said your Bf lives with you, by any chance does he still have his own place? If so you do not have to claim him as living in your house and then could get approved for state help.

Answer 8

My friend had the same problem. She went to the hospital she would be delivering at and told them she didn't have insurance. She is married and a stay at home mom. Her husband is the only one working. They gave her medicaid. Most clinics will help you out especially if you are pregnant.

Answer 9

If you move out and go on your own then you as a single woman in your own household would qualify for state medical insurance.

But they will figure you in with your boyfriend since you are in the same household and he is making a good income. I would just start saving money if I were you, or live like a single woman, which you are anyway.

Because of the "partnership" arrangment that so many couples have now, the government considers people living in one household as a "family unit" of sorts and will figure all assets and income together.

Planning to get married before baby comes?

Congrats on your pregnancy!

Answer 10

The first thing you should do is see if your boyfriend's insurance offers domestic partner benefits. It is possible that you could get insurance if you have been together for a while.

Your local health department would be a good resource to see what programs are available in your area for pregnant women.