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/[deleted] Apr 04 '25

Great for you. You realize you sound preachy rather than helpful, right? She was promised benefits. They didn’t come.

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u/Sam3325 Apr 05 '25

Thank you promised benefits that’s never came. It’s a risk we took at the moment trusting a county job because she works for the DA office in Gwinnett GA. The job is a high paying job I understand people say just quit but it’s not easy. Me and my wife and been trying to have a baby for 3 years planning and it ended up happening once there was no insurance. I know seems irresponsible but promised benefits that’s we trusted never came

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u/ThisIsMyNannyAcct Apr 05 '25

You knowingly got pregnant without insurance? That’s…. A choice.

So is not carrying COBRA. I know it’s expensive as balls. I truly do. I’ve paid for it a few times in my life. It hurts to pay it, especially when unemployment.

But if you decided not to add her to yours, you should have picked COBRA in the meantime. ESPECIALLY if you were actively trying to get pregnant.

She should try to follow up with her job, but if it doesn’t work out, quitting might be her only option to get covered. You can try to go uninsured, but any complications with her or the baby could absolutely bankrupt you. My twin nephews spent a month and a half in the NICU. You just never know.

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u/Electrical_Key1139 Apr 05 '25

The baby will be covered the second they are born as op can add them to coverage. Premature babies can rack up hundreds of thousands in bills so that is a relief but god forbid there are complications for mom. She is not covered.