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/freyaya]

Location? some state marketplaces allow for special enrollment due to discovery of pregnancy.

[u/Sam3325 → u/freyaya]

Georgia

[u/Either-Meal3724 → u/Sam3325]

Tractor supply has locations in Georgia. It's your best bet to get coverage. https://www.tractorsupply.careers/content/Our-Benefits/?locale=en_US

Part time employees are eligible for benefits after 90 days where they averaged 15 hrs a week. They also have parental leave.

Eta: since new commenting got locked-- to the people saying she is going to lose money: she can work for 90 days get the insurance then quit so it creates a QLE to get on her husband's plan. She is classed as part time but works full time at her current job. She can either work these hours on top of her normal ones at her job or temporarily reduce her hours back to part time for the 90 days to get the insurance eligibility at a part time job without working too much. Giving birth without insurance is risky.

[u/Just1Blast → u/Either-Meal3724]

See also Starbucks, Trader Joe's, or Aldi if available.

[u/10MileHike → u/Just1Blast]

72k a year for any of these? she would lose more money doing thiscthan just going on a payment plan for the birth.

[u/Just1Blast → u/10MileHike]

Not necessarily. She'd have health insurance. Any minor complication and the difference in pay would be wiped out entirely by the medical bills. Besides, have you SEEN the discounts the insurance company gets just for being an insurance company?

My last ER visit without insurance would have been about $12k all told. Insurance paid out less than $1000 after their discounts. Cash pay price, more than $11,775.

It's not about the amount of pay right now but the insurance required.

[u/10MileHike → u/Just1Blast]

this is foolish, short term thinking. . i woukd not give up a job that paid 72k for a 1 time medical event. one can be forever, the other is a temporary setback. she coukd also have a home birth with midwife. many go that route when finances arent available.

who even wants a career at tractor supply anyway. lol ....whst kind of post partum bennies do you think tractor supply gives? Theyll be living off 1 paycheck in short time.

how do you know she doesnypt consider position at da a career....not just a job?..

[u/Just1Blast → u/10MileHike]

Yes, she could go with a home birth and a midwife. And when that goes south and she needs a C-section, where are you coming up with $100,000 to pay that bill?

Taking a one-time temporary leave of absence or leaving a job isn't the end of the world, especially to have a kid. I'm not saying that it's necessarily ideal but any amount of high risk or complications makes not having insurance a really dumb idea.

We also don't know how far along she actually is. If she's 6-8 months along and shes planning on taking leave, it may not make much of a difference.

We don't know what she does or how established her "career" might be. We don't know the industry or job market, hell we don't even know the state.