Wife is pregnant no insurance

[u/Sam3325]

Hello my wife is pregnant she’s due October 17th She started a new job last year where she has no benefits she makes $72k a year and I make 55k a year. She had insurance from her last job and I have insurance through my job. She was promised benefits but never an exact date so at the meantime I didn’t add her under my insurance thinking after the 90days they would give her the benefit package (big mistake) We’ll 2 month into her job she’s pregnant her job is yet to provide insurance they have said they don’t know when she will get benefits. She works 40-35 hours a week but on paper it says she’s part-time. We do not qualify for Medicare because we make to much just wanted to see is there any way she could get insurance or help? We do make enough but with all our bills and debt we don’t know if the hospital bill will be to much for us. Doctor visits isn’t a problem but knowing thousands of dollars could be billed to us scares us

[u/Alert-Potato]

Her employer can not legally classify her as part time while she works full time hours. That's not how that classification works. If her employer offers health insurance to full time employees, or if it is fits the profile that would require it to do so (whether or not it currently does), it must offer her health insurance within 90 days of the first day of the first pay period she worked full time hours. If her employer isn't required to offer health insurance regardless of full time status, she needs to find a different job. If her employer just needs to get their shit together, she needs to light a fire under HR.

Side note: she does not qualify for Medicare because she is not 65 or older, and is not disabled. Medicaid is coverage based on need and income.