Pregnant No Insurance

What programs should you go through if your pregnant no insurance, no job, and are homeless?

Question: In about 4 months I will be on the street no money no insurance no job no job no nothing. I will be having my sleep4you.com/sleep.php/84/baby.html'>baby in about 4 and a half months. I am only currently 17 and will be 18 in 4 months. What should I do? What programs should i got through? Because I REFUSE to give my child up.




Answer: Go to the welfare dept. like your first answer said. I totaly agree with that. There, they can set you up with a house maybe too, or atleast an appartment that's based on income (no income, no rent) there are places liek that. They will get you on insurance for sure & food stamps too, probably. In the mean time, maybe you can try to find a close relative to help you out until then? I wish you & your baby the best of luck. You're both in my thoguhts & prayers.

Getting married and pregnant (insurance question).?

Question: I currently have no insurance and just found out I'm pregnant.My fiance and I have decided to rush things along because of the sleep4you.com/sleep.php/84/baby.html'>baby.Will his insurance cover me and the sleep4you.com/sleep.php/84/baby.html'>baby? Can a pregnancy be considered an pre-existing condition?




Answer: It depends upon the type of policy he has. Pregnancy cannot be considered a pre-existing condition on group policies through an employer. If he has an individual policy they will not add you since you are pregnant. Here is the government website for more information: http://www.dol.gov/ebsa/faqs/faq_consumer_hipaa.html

Pregnant, no insurance and make too much money for medicaid. Advice?

Question: I am an independent contractor and have no insurance. I am now pregnant before having a chance to get health insurance. Health insurance once pregnant is way too expensive. I make too much money for government assistance, but not enough to afford private insurance. I'm in a tough spot, and I wonder if anyone has any advice to help me finance my pregnancy.




Answer: Talk to your physician (you may want to shop around). Physicians and hospitals have a very steep cut from insurance providers on pregnancy, and make very little on Medicaid. You should be able to find one that will give you a discount -- especially if you are able to offer cash at time of service. 30%-40% is not uncommon. Also, many hospitals offer package discounts for maternity patients -- an all-inclusive price for self pay patients. In my state (Texas), $2750-$3000 is common. Again, they'd like to bring in cash business that will help cover their costs without dealing with collection hassles. The hospital may even be able to direct you to a physician willing to work with you. I'm not familiar with the specifics of Medicaid coverage, but if you don't have too many assets, this may be an option if you have any complications. Being a private contractor, you will likely be out of work for six weeks, longer with problems. This change in status may allow you to temporarily qualify for medicaid. If not, I would deffinitely look into a CHIP (Children's Health Insurance Program) for your baby. These are state sponsored programs to provide coverage for children at a low cost. Baby may be eligible under the father's policy as well -- set this up before the birth, if possible. I also wouldn't be too quick to dismiss insurance options. If there is a problem, even a minor one, costs could escalate quickly. Plus, babies go to the doctor a lot. If the cost is less than the hospital stay above, it's worth considering. I would definitely look into catistrophic coverage -- high deductable coverage ($5K+). These policies have a much lower premium. This has a couple of advantages -- 1) no uninsured hassles by the health care providers, 2) you get to take advantage of the insurance discount -- you only pay what the insurance company would have with a normal policy. A major carrier (BCBS, UHC, Aetna, etc) will likely have huge discounts. 3) It will give you a saftey net if there is a problem. Stay away from " medical discount cards". Health care providers have no obligation to accept them, and most good ones won't. Good luck!