Saturday, March 20, 2010

My Husband Is Having To Change Job, Our Medical Insurance For The New Job, Won’t Kick In For 90 Days?

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Sunday, November 22, 2009, 18:47
This news item was posted in Medical Information category and has 6 Comments so far.

Is there any low cost medical insurance I can get during that 90day period? Not Cobra they are wayyyyy to expensive, We are a family of 5 and I am about 15 weeks pregnant! Thanks for your help

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6 Responses to “My Husband Is Having To Change Job, Our Medical Insurance For The New Job, Won’t Kick In For 90 Days?”

  1. Roger M said on Monday, November 23, 2009, 0:49

    Right now you get a 66% credit towards the COBRA
    So if Cobra is $300, you pay $100
    now thru end of 2009.

  2. sbinlb said on Monday, November 23, 2009, 4:42

    Most states have low-cost insurance for children (This is sponsored by the state but not welfare related). In California they have a program called “healthy kids”. It costs something like $7 a month per kid.
    See if you can elect that for the kids and change the COBRA policy to employee + spouse only.
    Since you are pregnant and don’t want to be without insurance or do anything hooky with your insurance your best bet is to elect the COBRA.
    Depending on the type of new job your husband has, some companies will add employees onto insurance as of the first day of employment. This is done more often for management and executive positions. However, it doesn’t hurt to ask.

  3. mbrcatz said on Monday, November 23, 2009, 8:22

    YOU are not insurable on a private plan, period. NO ONE will insure a woman on a private plan, who’s already pregnant.
    For the rest of the family, “low cost” is going to mean around $500 a month, with a $10,000 deductible. But you – and the new baby, if they decide to be born early – will be uninsured.
    Cobra is your ONLY option, unless the new employer is willing to do something to get you coverage sooner.

  4. Zarnev said on Monday, November 23, 2009, 13:28

    Since you are pregnant neither you nor anyone in the family will be able to get any other insurance other than a defined benefit plan, which is mostly worthless. Your only viable option would be COBRA unless you qualify for Medicaid.

  5. wg0z said on Monday, November 23, 2009, 14:50

    You’re pregnancy, as a pre-existing condition, almost certainly won’t be covered under anything available outside of your COBRA continuation.

  6. jlf said on Monday, November 23, 2009, 18:32

    You’d be better off with the COBRA option, especially since you are pregnant.

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