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Forum: Pregnancy and Motherhood After Loss


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January 13th, 2006, 11:15 AM
iamkc's Avatar Platinum Supermommy
Join Date: Aug 2005
Location: Montana
Posts: 8,137
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DH switched jobs this week and just found out that his other coverage runs out in a few days (actually, Sunday, I think, and I'm scheduled for an ultrasound on Tuesday!), so I'm scurrying to find something. We'd talked about the 100% coverage, especially since I'll undoubtedly incur a ghastly amount in medical bills this year, one way or another. Everything I'm finding online is a HUGE deductible or indemnity only. Anyone here covered well and with what company? I'm about to go where we have car insurance and renters', but I forget what their health plan was...I think it included a 100% coverage after a slightly smaller deductible, but for a higher monthly premium. Suggestions?

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January 13th, 2006, 11:25 AM
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wow, I'm so sorry. When we were shopping for insurance when DH thought he was going to start his own company is was soooo expensive, especially for pregnancy coverage. Thankfully he is covered through his work and we use Beech Street. Its not great, but they pay out ok if we use their network DRs.

Can you get medical assitance through your state? that might help cover those big costs.
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January 13th, 2006, 12:15 PM
Rina42308's Avatar Mega Super Mommy
Join Date: Mar 2005
Location: CA
Posts: 2,991
What about COBRA? Your husbands company must offer that ? i think it's expensive but not sure how it compares to purchasing your own privately...
Mommy to miracle baby 4/23/08 and four babies in heaven:lost 3/22/05 edd 10/28/05, lost 5/25/05 edd 12/26/05, lost 1/31/06 edd 9/19/06

"Never doubt that a small group of thoughtful, committed citizens can change the world; indeed, it's the only thing that ever has." -Margaret Mead
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January 13th, 2006, 03:52 PM
iamkc's Avatar Platinum Supermommy
Join Date: Aug 2005
Location: Montana
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The company he just left GOUGES--I forget what the deductible is, but it's $450/mo for just the 2 of us, he has 80/20 and I have 50/50. It sucks. We had tried to get coverage through the local place, which was $350/mo for 100% coverage after a $3200 COMBINED deductible--GREAT insurance. I was going to get the last one for DH, but I know that they won't take me because I'm already pregnant. My option is COBRA, but the company will tack on extra for their service in COBRAing it. I'd be paying $500 or more per month and he'd be paying $350--NOT affordable. Soooo...I was going to look into Maternity Card. I think that it's only something like 50% coverage, but only $100/mo or so. I don't know if I'd qualify for gov't assistance. I guess I can check into it, but DH might make just enough too much on paper. Can you believe it? Had we switched 2 weeks ago before confirmation of pregnancy, we'd only be paying $350...in Montana, all maternity costs are covered in most insurance plans.

OK, back to panicking...

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