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Old Sep 12th, 2018, 20:09 PM   1
paintrider89
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Pregnacy with no healthcare..


Sorry ladies if this is long. Rant, cry, sob. Rant some more..
So to sum it up without a ramble, I live in US. Don't have health insurance, and 10 weeks along. With my two older kids I qualified for state coverage health insurance. But now we make $400/month to much for me to be covered this pregnancy.
My kids still qualify and are currently on the State Medicaid for children. In face we could make another $500+ a month before they wouldn't qualify.
However the baby I am carrying is apparently not as important.
So here I go looking trough ways to get myself covered, but oh, open enrollment isn't until January. And being pregnant is not a qualification for 'special enrollment'. But after the baby is born we can qualify for a life event special enrollment. WTF good is it to get insurance after baby is born. I still have to cover all my costs by cash for pregnacy and birth, and baby will qualify for state insurance as soon as it is born. So that seems pretty pointless to me.
So here I sit, have not had an appointment, will be cancelling the one I made with my OB, because I absolutely cannot pay cash.
No wonder so many women in America go without prenatal care. If you arnt planning a baby a year ahead of time, and have jobs, you are fu**ed.
I should be able to get it in January during enrollment time, if I can find something we can afford (for instance insurance through hubby's work is 800/month). But I will be well over half done by then, if they accept with pre existing condition (pregnancy).
Told my mom I was just gonna have to wait until I deliver and pray for a healthy baby.
She didn't think I was funny.



 
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Old Sep 12th, 2018, 20:49 PM   2
lil lovey
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Hello sorry to hear about your situation. Im from a different country. Doesnt the US have government clinics? Just wanted to know because in SA we have government clinics/hospitals and they are free



 
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Old Sep 12th, 2018, 20:59 PM   3
Kiwiberry
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I'm so sorry you're going through this too . I really hope you can figure something out soon. I ended up not being seen until I was 20 weeks along because that's when I finally got Medicaid. I don't know if this will help or not but one of the doctors told me that Medicaid is retroactive. Maybe you could still go to the doctors and tell them that you are on the waiting list to be approved for Medicaid? I wish I knew more about how it works so I can help you. We really do need the NHS over here......

I do have an idea though, is there a way you could try a birthing center? My ex boyfriends girlfriend is an illegal immigrant (brought here as a kid) and she has no insurance. That's what she's doing right now for her pregnancy. I believe they're even able to work with you with payment plans and it's a lot cheaper.



 
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Old Sep 12th, 2018, 21:01 PM   4
Kiwiberry
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Quote:
Originally Posted by lil lovey View Post
Hello sorry to hear about your situation. Im from a different country. Doesnt the US have government clinics? Just wanted to know because in SA we have government clinics/hospitals and they are free
The government clinics take government insurance like Medicare and Medicaid. You literally can't get any medical attention for anything even to get a tooth pulled without insurance.



 
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Old Sep 12th, 2018, 21:08 PM   5
lil lovey
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Quote:
Originally Posted by Kiwiberry View Post
Quote:
Originally Posted by lil lovey View Post
Hello sorry to hear about your situation. Im from a different country. Doesnt the US have government clinics? Just wanted to know because in SA we have government clinics/hospitals and they are free
The government clinics take government insurance like Medicare and Medicaid. You literally can't get any medical attention for anything even to get a tooth pulled without insurance.
Oh my☹️ thats bad😟



 
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Old Sep 12th, 2018, 21:15 PM   6
Kiwiberry
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Quote:
Originally Posted by lil lovey View Post
Quote:
Originally Posted by Kiwiberry View Post
Quote:
Originally Posted by lil lovey View Post
Hello sorry to hear about your situation. Im from a different country. Doesnt the US have government clinics? Just wanted to know because in SA we have government clinics/hospitals and they are free
The government clinics take government insurance like Medicare and Medicaid. You literally can't get any medical attention for anything even to get a tooth pulled without insurance.
Oh my☹️ thats bad😟
There are free clinics for some things, but it's only if the doctor chooses to do that and they have huge waiting lists.



 
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Old Sep 12th, 2018, 21:24 PM   7
lil lovey
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Quote:
Originally Posted by Kiwiberry View Post
Quote:
Originally Posted by lil lovey View Post
Quote:
Originally Posted by Kiwiberry View Post
Quote:
Originally Posted by lil lovey View Post
Hello sorry to hear about your situation. Im from a different country. Doesnt the US have government clinics? Just wanted to know because in SA we have government clinics/hospitals and they are free
The government clinics take government insurance like Medicare and Medicaid. You literally can't get any medical attention for anything even to get a tooth pulled without insurance.
Oh my☹️ thats bad😟
There are free clinics for some things, but it's only if the doctor chooses to do that and they have huge waiting lists.
Wow this actually breaks my heart. Wow. Thanks for explaining this to me



 
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Old Sep 12th, 2018, 21:30 PM   8
calliebaby
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They don't consider pregnancy a pre existing condition anymore, since Obamacare.



 
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Old Sep 12th, 2018, 21:32 PM   9
paintrider89
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Quote:
Originally Posted by lil lovey View Post
Hello sorry to hear about your situation. Im from a different country. Doesnt the US have government clinics? Just wanted to know because in SA we have government clinics/hospitals and they are free
Only if your homeless or make under federal poverty level. I wouldn't qualify.



 
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Old Sep 12th, 2018, 21:35 PM   10
paintrider89
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Originally Posted by calliebaby View Post
They don't consider pregnancy a pre existing condition anymore, since Obamacare.
I was told twice today from private insurance companies that they will not take me for pregnacy. I would have to have been on their insurance for a 1 year minimum.

I have applied for marketplaces ACA, but won't be able to enroll until January, and I am looking at at LEAST $200/month out of pocket.



 
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