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CONFUSEDBIRD
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You have got to be kidding me

Monday, March 18, 2013

I am trying really hard to stay calm right now and not let my emotions eat everything. Cuz that is where I turn when stress hits. But where will that get me? no where that's where. Ok so thru all this baby trying I knew I had to start my copay for maternity ahead of getting pregnant. Yes I did know this. I tried pushing it off cuz my insurance doubles in price when I add it on. But yesterday we looked at how far ahead you need to start it. 365 days ahead of getting pregnant, that is when you have to start it. I repeat 365 days ahead, ok i repeat once more 365 days ahead!!!!!!!!!!!!!!!!!!!! Ohh my god when I found this out my heart sunk, like just sunk to the ground. So I thought, hey maybe other plans are 6 months? Nope my only other option is also 365 days. I guess you can look at this way. You wont buy a house and get home insurance and burn it down the next day. You should wait 365 days to burn it down, of course! So yeah I have no idea what my options are. I could start this 365 day process and sink 300 a month into it. I could wait for Obama's Mother Child hc to pass which is supposed to start 2014 but who the hell knows if it will. I could wait and hope my husband likes his new job enough and get hc in 3 months thru him, which i still donno is possible. I could try calling the hospitals and see if they have plans which I heard they usually have mother baby packages that run 3-5k but that means everything goes smoothly and if not your probably screwed. So yes I am trying really hard not to let me emotions eat the fridge and possibly one of my dogs. If only we made a little less and I was unmarried I would be set. But since I am married and trying the best I can with 2 jobs, no baby for me anytime soon.
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Member Comments About This Blog Post
  • JPONCIN
    This is just another broken component of our country's healthcare system. If you want good coverage, Scott will have to get a job at a big company that he is miserable at. Otherwise, he will have to leave you so you can qualify for Medicaid and WIC. *sigh*
    1284 days ago
  • LINEBACKER1968
    That is not right. It seems to me you should at least be into your pregnancy before that kicks in. I hope you can find something better.
    1285 days ago
  • CONFUSEDBIRD
    It's all good if you have insurance through an employer. But if u work part time jobs and no insurance is offered and u gotta deal with insurance companies yourself there's no laws to say they can't put ridicious numbers on things. I called and talked to someone at ehealthinsurance and they told me the same thing I saw on their site.
    1285 days ago
  • PSFITMOMMY413
    Boo!!
    1285 days ago
  • MORTICIAADDAMS
    I had no idea it was like that. Insurance companies seem to keep this info hushed up. $300 a month is a lot of money. I know you will find the best solution because you always do. You are a terrific problem solver. emoticon
    1285 days ago
  • PSFITMOMMY413
    I'm lucky that hubby handles all of our insurance stuff but I've never heard of such a thing...I know you're intelligent so I'm sure you're not making things up (lol) but ask around to see if there is another way to bypass the situation. You may have success calling up e insurance company as well.

    I do believe that God has a plan for everything and a baby will come in time...we had our plan that He threw out the window...thoughts with you and I hope you can get some more answers/solutions!!
    1285 days ago
  • BEMILLER30
    I've never heard of this before. I'm so sorry you are having to deal with this. hugs!
    1285 days ago
  • FITBECKSRN24
    I've never heard of such a thing!! Every health ins I've ever had always included maternity and child care. Our rates didn't go up until after the baby was born. Is this for short term disability? Cause that would Make more sense. I had to pay for short term 3 months prior to becoming pregnant in order to use it for maternity leave. Didn't know that until I was already pregnant so didn't get to use it. I used my sick time and we lived like poor college kids so I could stay home for 3 months. It's do able. Good luck!
    1285 days ago
  • CDCSMITH2013
    Well, I guess being in MA, the plus is that we have had state mandated medical coverage for maternity care. You know, it might be worth a call to a local OB-GYN and ask them for recommendations about what would happen if you got pregnant before th e365 day thing finished. I can't imagine that it is all that uncommon.
    1285 days ago
  • LEIGHWOMAN
    What do you mean by starting your copay for your maternity leave? Like for short-term disability or something? I didn't do any of that with Max. I didn't do anything with my insurance company until after he was born. But if the short term disability is the case, $300 per month - if you were to add all of that up you'd have more than enough money to pay for your own maternity leave! Your'e better off just stashing some money and using your sick days and paying your own way. I didn't take any short term disability with my first pregnancy - it was tough for a month but we got by. I don't think it's right for the insurance company to determine when its okay for you to have a baby.
    1285 days ago
  • GAYLLYNNE
    I'm sorry this is happening to you. Think of it as a trial run to get your body in the best shape it can be for the pregnancy!! I know what a challenge it is!! I wish you luck and I'm waiting for Obomacare to kick in too so I can have health insurance!!!
    1285 days ago
  • LE7_1234
    I'm so sorry you're facing this.



    1285 days ago
  • PHEBESS
    Wow - just one more case where we should have socialized medicine!!

    And what happens if someone gets pregnant without planning a YEAR in advance????

    PS - maybe talk to your local Planned Parenthood and see if they have ideas? They usually know all kinds of options.
    1285 days ago
  • NANCYPAT1
    I am so sorry. I will pray that you find a solution.
    1286 days ago
  • CONFUSEDBIRD
    I will try my best!
    1286 days ago
  • PAPER_WINGS18
    Ugh whaaaat?! That does not seem fair at all.... Wtf?

    I'm so sorry- that really is crappy. However, I really truly believe that all things work out how they are supposed to. Keep your head high and just let whatever happens happen. Maybe try not to stress so much about baby making now and let whatever happens happen? I promise it'll all be okay. Go for a jog!! Stay out of the kitchen girl!
    1286 days ago
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