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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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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Right now you get a 66% credit towards the COBRA
So if Cobra is $300, you pay $100
now thru end of 2009.
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.
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.
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.
You’re pregnancy, as a pre-existing condition, almost certainly won’t be covered under anything available outside of your COBRA continuation.
You’d be better off with the COBRA option, especially since you are pregnant.