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Health Insurance
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An_257653 posted:
I just found out a little over a week ago that my girlfriend is pregnant. This is good new and we are very excited. We have a big problem though. She has no health insurance. Open enrollment is closed and she makes to much to qualify for medicaid. We don't know what to do. We live in Florida and I was hoping someone could offer some advice. I know this has to be a common issue.
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atti_editor responded:
Hello,

Congratulations to you and your girlfriend! Here is a blog post from WebMD health insurance expert Lisa Zamosky about getting insurance after open enrollment ends . It sounds like tip #4 may apply to you. Here is some information from Healthcare.gov about your options after open enrollment. Please let us know how you are doing!

Best wishes,
Atti
 
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An_257653 replied to atti_editor's response:
Thank you for your help! We have looked into the short term policies and they have high deductibles & 15,000 max out of pocket. We didn't think it would be this hard to find decent coverage. We are also concerned that they will drop us in 2015. Our baby is due around Jan 15th so we would be cutting it close. We would pay this years deductible of $6725 and the premium of $400 monthly plus 20% coinsurance until out of pocket has been meet. When January comes we could pay another deductible if we are able to get coverage. I know they say they have to take preexisting conditions but these laws are so new that you really can't believe what you read.

We are middle class not rich and not poor so we don't get any help. She might have to quit her job in order to get medicaid which we do not want to do but we don't want to start our new life out with a new baby and let say $30,000 or more in medical bills if the pregnancy goes smooth. We both work for family owned businesses so they do not have insurance options. It's just a lot of stress to deal with when we should be happy all the time and worry about baby names and what color to paint the nursery. I starting to understand why people do not get a job paying $8.00 you can't afford to survivor legally so you just live off the government. I know that's really bad to say but it's the truth. We went to the Health Department to day to see what we had to do to even receive share of cost medicaid so we applied and we will see what happens.. Sorry if I said anything offensive to anyone I just had to vent!!


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