r/HealthInsurance • u/milwaukee4 • Dec 20 '24

Plan Choice Suggestions Girlfriend is pregnant with $3500 deductible and 20% copay

My girlfriend has Aetna insurance through her job with a $3500 deductible and $7000 OOP max. Her OBGYN gave us a paper today to sign stating that we will have to pay them $3803 for the delivery because of the $3500 deductible plus $303 for a 20% copay. It also said that this does NOT include the hospital stay fees, which I guess could be another couple thousand or maybe even another $3500 and eat up her entire $7000 OOP max.
She makes $65k a year so she won't qualify for most programs and we could pay it if we have to but I am wondering if anyone has any advice/ideas for us to help lower this massive amount? Some sort of supplemental insurance or a government program that anyone knows of? My insurance deductible is only $500 but we are not married so I don't think that my insurance can be used in any way. Even if we had a shotgun wedding could my insurance somehow be used to help?

edit: she is only 11 weeks pregnant

Thanks In Advance

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u/ArdenJaguar Dec 20 '24

With that income, it's doubtful you'd qualify for hospital charity care. Make sure every doctor and hospital involved is in network ahead of time. You'll have to set up a payment plan or stick it on a credit card (worse option).

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u/nevetando Dec 20 '24

Not true. Couple states go up to 400% FPL. Oregon and New York for instance. Couple more go to 300% FPL.

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u/No_Calligrapher9234 Dec 20 '24

And pregnancy has separate income limits in some states