January 18, 2018 at 3:07 pm #736196
I’m almost 9 months pregnant, due at the end of February. I’m on my husband’s insurance (my work doesn’t offer any). He’s planning to make a career change to a new company, but we’re nervous about where that leaves us as far as coverage goes. Both companies offer great insurance, but the timeline of it all leaves us in a risky situation.
He gave his two weeks, which puts him at a start date of January 31st at the new place. At the new company, insurance coverage doesn’t begin until 28 days after his start date, which puts us right at our due date for baby. Yikes!
Are there any good options to ensure that we do not end up having this baby without insurance (just because of a poorly-timed lull in our regular coverage?)January 18, 2018 at 3:48 pm #736200January 18, 2018 at 3:49 pm #736201
Also, Google “temporary health insurance between jobs.”January 21, 2018 at 2:38 pm #736409
If you are pregnant and uninsured you may qualify for medicaid.
DO NOT have a baby without insurance. However expensive COBRA seems to you (and it is not cheap) I can tell you that I was billed about $30k* for my delivery and our 2-day stay in the hospital. And that was for a vaginal delivery without many complications. God forbid you need a c-section or the NICU.
*I have insurance so I didn’t pay nearly that much, thank goodness, but even just seeing it on the bill was shocking.January 21, 2018 at 10:28 pm #736420
She is probably going to have to go with Cobra or Medicaid because most companies won’t take on a pregnancy this late in the game. They would tag it as a preexisting condition and deny it. If you get Medicaid see if they can back date your coverage to the last day of insurance from your husband’s job. That way you are covered for anything between the end of his insurance and the beginning of the Medicaid.
COBRA is expensive as heck but it’s better than no coverage at the end of a pregnancy. And not that I’m wishing anything bad upon you, but you just never know what could happen during a delivery and afterwards.January 22, 2018 at 10:42 am #736447
Even if the new company would cover your pregnancy, you absolutely must pick up COBRA for that “in between” time. What if you deliver early, or you develop some type of complication that requires a hospital stay? COBRA coverage will easily cost $1,000/month for the two of you though, so just make sure you’ve budgeted for that expense.
I know hindsight is 20/20, but the end of a pregnancy when you carry the insurance is a really challenging time to change jobs, especially given that he will likely have 0 time off when the baby arrives. If they allow him leave at all, it will certainly be unpaid.
Best of luck!