Wife got pregnant, No insurance. Problem on AOS if use some help from the county?
Dec 1st 2003, 5:04 am
#16
Go RedSox!
Joined: Feb 2003
Location: London
Posts: 681
Re: Wife got pregnant, No insurance. Problem on AOS if use some
Originally posted by Marjeta
I never said 45K was an overwhelming amount of money. To me however an important thing such as health insurance takes precedense over most things - call it luxury or not luxury, money can be channelled into what you need the most. And if you cannot afford taking your pregnant wife to the doctor I would definitely put that 2 bedroom/2 bath apartment, a new piece of furniture, christmas gifts or a new car payment on the back of my list.
I never said 45K was an overwhelming amount of money. To me however an important thing such as health insurance takes precedense over most things - call it luxury or not luxury, money can be channelled into what you need the most. And if you cannot afford taking your pregnant wife to the doctor I would definitely put that 2 bedroom/2 bath apartment, a new piece of furniture, christmas gifts or a new car payment on the back of my list.
Dec 1st 2003, 8:35 am
#17
BE Enthusiast
Joined: Jan 2003
Location: Huntsville, AL
Posts: 568
Re: Wife got pregnant, No insurance. Problem on AOS if use some
Perspective is everything. You have no idea how little $45000 will buy, in some places in the US. Don't judge until you've tried it.
Don't be so hasty to judge without knowing the details. Best of luck to you, Emmit 
Dec 1st 2003, 3:04 pm
#18
I love my sailor.
Joined: Mar 2003
Location: VA, USA
Posts: 277
Re: Wife got pregnant, No insurance. Problem on AOS if use some
Originally posted by NevAnna
To add my husband to my health insurance plan at work, it's costing $434 a month. I can't wait until he's able to get insurance through his employer, hehe.
To add my husband to my health insurance plan at work, it's costing $434 a month. I can't wait until he's able to get insurance through his employer, hehe.
Dec 2nd 2003, 11:12 am
#19
Guest
Posts: n/a
Re: Wife got pregnant, No insurance. Problem on AOS if use some help from the county?
Rete <member167@british_expats.com> wrote in message news:<[email protected]>...
> Originally posted by Dekka's Angel
>
> > Yes, I know, as I said in my post. But for most insurance companies it
> > is not - the default is the month of November, for the upcoming year
> > beginning January 1. So there may be a way to slide him in "under the
> > radar". And he won't know that unless he asks.
>
>
>
>
>
> Angel is right, IMHO. There is no harm in approaching your HR
> department and asking about adding the spouse to the company's
> healthcare plan. So it will cost you money to do so, if allowed, but
> hell, look at all the money you will be spending to pay for an unplanned
> pregnancy. I assume since you could not afford birth control, paying
> for this child is going to be quite financially tramatic for you.
>
>
>
> Just off the top of my head, I recall reading that healthcare benefits
> received from the state are not means tested benefits. If this is
> indeed true can't your wife get a state funded healthcare policy for the
> time until she is eligible for coverage by your company?
>
>
>
> You might want to check that out by going to your State's website.
>
>
>
> Rete
Under U.S. law your wife cannot be turned away from emergency medical
care due to lack of insurance. You may have to utilize a public
hospital for outpatient and follow up care if your wife has no
insurance.
Scotty
> Originally posted by Dekka's Angel
>
> > Yes, I know, as I said in my post. But for most insurance companies it
> > is not - the default is the month of November, for the upcoming year
> > beginning January 1. So there may be a way to slide him in "under the
> > radar". And he won't know that unless he asks.
>
>
>
>
>
> Angel is right, IMHO. There is no harm in approaching your HR
> department and asking about adding the spouse to the company's
> healthcare plan. So it will cost you money to do so, if allowed, but
> hell, look at all the money you will be spending to pay for an unplanned
> pregnancy. I assume since you could not afford birth control, paying
> for this child is going to be quite financially tramatic for you.
>
>
>
> Just off the top of my head, I recall reading that healthcare benefits
> received from the state are not means tested benefits. If this is
> indeed true can't your wife get a state funded healthcare policy for the
> time until she is eligible for coverage by your company?
>
>
>
> You might want to check that out by going to your State's website.
>
>
>
> Rete
Under U.S. law your wife cannot be turned away from emergency medical
care due to lack of insurance. You may have to utilize a public
hospital for outpatient and follow up care if your wife has no
insurance.
Scotty
Dec 2nd 2003, 11:40 am
#20
Guest
Posts: n/a
Re: Wife got pregnant, No insurance. Problem on AOS if use some
Dekka's Angel wrote:
> Originally posted by lpdiver
>
>
>>In his post he states that Aug. is open enrollment in his company.
> Yes, I know, as I said in my post. But for most insurance companies it
> is not - the default is the month of November, for the upcoming year
> beginning January 1. So there may be a way to slide him in "under the
> radar". And he won't know that unless he asks.
>
Even if he could add her to the insurance after the enrollment period,
they aren't going to cover a pre-existing pregnaancy.
> Originally posted by lpdiver
>
>
>>In his post he states that Aug. is open enrollment in his company.
> Yes, I know, as I said in my post. But for most insurance companies it
> is not - the default is the month of November, for the upcoming year
> beginning January 1. So there may be a way to slide him in "under the
> radar". And he won't know that unless he asks.
>
Even if he could add her to the insurance after the enrollment period,
they aren't going to cover a pre-existing pregnaancy.
