Thursday, February 9, 2012

What Options Do I Have For Medical Coverage If I’m 36 Weeks Pregnant With No Medical Insurance?

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Sunday, November 8, 2009, 6:54
This news item was posted in Medical Information category and has 6 Comments so far.

I’ve just been denied Medi-cal coverage andy every other place I’ve called will not quilify me if I’m over 30 weeks pregnant? Our medical coverage got terminated since my husband lost his job in May.

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6 Responses to “What Options Do I Have For Medical Coverage If I’m 36 Weeks Pregnant With No Medical Insurance?”

  1. mbrcatz said on Sunday, November 8, 2009, 13:48

    None. You’re going to be paying out of pocket for this. Hope your labor goes fast, and the baby gets delivered in the car.
    I think it’s even too late to sign up with a birthing center or midwife now, so you’re going to be stuck.
    OH, unless you can sign up with Cobra if you’re still within your 60 days – you NEED to do that, or you’ll be paying off this birth for ten years.

  2. VitaBell said on Sunday, November 8, 2009, 16:27

    Chances are you won’t be able to find any type of health insurance because you are already pregnant.
    What you can do is try to apply for COBRA coverage. You have 60 days from the day your husband was laid off to apply for COBRA. this is the same policy your husband had before he got laid off.
    Also, you won’t have to pay 100% of the premiums….your husband’s old employer will have to pay 60% for up to 9 months or a year, I believe. (My husband got laid off after 31 years of service with his employer, so this is how we were able to continue our coverage).
    This is one of the things President Obama did when he took office to help the many of unemployed Americans in this country.
    Good luck! Hope your baby is healthy and happy!

  3. ibu guru said on Sunday, November 8, 2009, 19:07

    If your husband had continued his existing insurance under COBRA, you would still be covered. You could have continued existing coverage by paying the COBRA premium on time. That’s the main reason you are being denied. If you did not pay COBRA within the time limits, you lose your insurance and there is no way to reinstate it. Now you are paying cash for this one.

  4. zeuz said on Sunday, November 8, 2009, 23:05

    The COBRA option is the best suggestion. You have 60 days to elect coverage from the date of notification of your rights under COBRA. Contact your husband’s previous employer TODAY and tell them you want to elect coverage.
    Then, you have 45 days from TODAY to pay all back premiums (less the temporary government subsidy).

  5. knowital said on Monday, November 9, 2009, 3:41

    You will have to deliver at the County hospital that takes people who cannot pay. You were supposed to get Cobra from your husband’s company and they would have to continue paying whatever percentage they paid when he was employed. See if you can still sign up for it.

  6. Insurance Pickle.com said on Monday, November 9, 2009, 8:46

    COBRA!!! Get it before it’s too late (if it’s not already). It’s going to be cheaper than paying out of pocket.

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