r/HealthInsurance • u/Sam3325 • Apr 04 '25
Individual/Marketplace Insurance Wife is pregnant no insurance
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
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u/kmsparty Apr 04 '25 edited Apr 04 '25
Has she always worked at least 30 hrs for this employer? For insurance purposes, more than 30 hrs per week is full time. Even if it’s listed as part time, it’s what she really works that matters. If the employer has 50+ employees they have to offer insurance. The maximum waiting period would be 90 days but some companies offer it as soon as the first day. Kind of crazy they say they don’t know when she will get benefits. She needs to contact her HR department for better answers.