PREGNANCY-BIRTH Messages for March, 1999: Re: Confused new mother

Re: Confused new mother

From: Nancy

anonymous@obgyn.net

Tue, 9 Mar 1999 12:44:59 -0600 (CST)

>a woman already pregnant," this statement is correct if you are refering to individual insurance plans (I have discovered this myself as my insurance will expire three months before my due date). However, group plans like those offered by employers fall under different laws and have to accept all employees/dependents regardless of medical condition. Restrictions can sometimes effect pre-exsisting conditions and the effective date of maternity coverage. This may be a problem since your sister does not currently have insurance. If she already had insurance and was moving to his employer's group plan while pregnant it is my understanding that the new group plan would have to cover her and her pregnancy under Federal law. If your sister's fiancee is covered by his employer's insurance (hopefully he works for a larger company) it MAY be possible for her to be covered. Please have your sister and her fiancee talk to the Human Resources department (or whoever adminsters the insurance) if they have not already done so. They may have more options than they think.

Note: I am not an insurance agent rather just someone who has to change insurance companies mid-pregnancy and I have simply been investigating my options. Since the insurance world is so complex I cannot guarentee that my information is 100% correct. I hope this information helps. I realize that it may not apply exactly to your sister's situation because we don't know many of the exact details. Good luck Nancy

At Mon, 8 Mar 1999, jb wrote: >
>I'm posting this for my sister since her household does not
>have net access. Also, I'm sorry if this gets posted
>twice. There was an error in my browser when I tried
>to submit it last time. I'm so glad I copied before
>I submitted...
>
>My sister just recently found out that she is pregnant.
>She is 20 and engaged to be married in the fall. She
>tells me that she and her fiancee have been having
>protected sex so this pregnancy was pretty much
>unplanned.
>She only makes about 12k/year (if that) while her
>fiancee is soon to be making 55k. However, they
>do have some debt (how much, I don't know but
>enough to where they are now concerned about
>money and how they are going to make it)
>He has insurance while she does not. He was
>planning on adding her to his policy after they got
>married so that when they did plan on getting
>pregnant, they would be covered. But now this.
>They nor I know of an insurance co. that will cover
>a woman already pregnant, so their only option
>(as far as anyone close to my sister - family and
>a few friends - know) is to get public assistance.
>Since she is not married and making as little as
>she is, I'm sure she will have no problem getting it.
>The only concern then would be the fact that that
>assistance would end 2 months before the baby
>is due since that is when they will be getting married.
>And again, there is the problem with my sister's
>fiancee not being able to put her on his insurance
>because she will then be about 7 mos. pregnant.
>So basically here is my question (questions?)
>
>(NOTE: My sister lives right outside of New Orleans,
>LA)
>* Where can she go (in general or specifically if
>someone knows) to find out about getting assistance
>for prenatal care?
>* What kind of assistance is out there for unwed,
>pregnant soon-to-be-mothers?
>* Without insurance (since they won't have any)
>how much do the hospital bills run for the delivery
>of a child?
>* What good resources are there on the net? I did
>a few searches on Yahoo and Altavista but didn't
>come up with anything good. I was looking up info
>on "pregnancy welfare assistance" and "cost of
>pregnancy" (note: I'm not that great with the search
>engines yet. <g>). This was the only good site I
>was able to find.
>
>Also anything you feel like interjecting would be
>welcome. She is very confused and we, as her
>family, want to be there for moral and emotional
>support. Unfortunately, we don't have many
> answers. She doesn't want to consider abortion
>until she knows all the facts and it turns out that
>they just won't be able to make it if they have a
>child.
>
>Thank you for your time, for reading this far and
>for any help you might be able to provide.
>
>a0

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