Any advice from anyone that has medicare or knows anything about it would be so awesome!
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I think it's got to vary from state to state based on what you're experiencing.
Granted I had my first two nearly 10 and 11 years ago now, my ex-husband and I being young had a pretty limited income. Based on that alone I qualified for Medicare as soon as pregnancy was confirmed and got to choose a plan that we thought would suit us best out of maybe a half dozen (I chose UCare based on what I had read it offered pregnant women in particular). From acceptance to 6 weeks post partum everything was covered including delivery and then each of my kids automatically qualified for the first two years of their lives. We didn't need it for that long as he eventually qualified for coverage through work, but when he was laid off, off and on (union automotive work) they would jump back in and cover the kids 100% during those gaps.
It was super easy, just forms filled out for and sent in to the county and approval took less than a week. I had already seen a doctor and had an early scan by the time we got the approval but it covered up to two months care retroactive. Under it not only was all my prenatal care covered but prenatal vitamins, labor and delivery, post partum home visits, lactation consultant visits, breast pump and even car seats.
I'm not sure if things have changed that much (my husband has phenomenal private coverage so I have nothing to compare to here), or if your state is just tougher to deal with than others.
If you don't qualify is it possible you can just get set up on a payment plan? None of our infertility treatments were covered by insurance so everything we did pre-IVF (which had to be prepaid in full) our clinic put all together and we pay $200 a month towards. As long as you're paying something on your balance I can't imagine a clinic not being willing to work with you. The plus side is that paying cash they do give us discounts. I'd ask about that too if it comes down to that.