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/1GrouchyCat Apr 04 '25
Thousands of dollars? Do you really think you can predict your wife’s pregnancy- her health throughout it - and the delivery?
Do you have any idea how much a standard delivery of a healthy infant costs?
I’m not going to lecture you- All I’m going to say is the two of you need to grow the fuck up and learn to ask questions if you don’t understand something.
Not having health insurance and then getting your wife pregnant is the most irresponsible thing I’ve heard in a long time - and you don’t even understand why…
You have no way of knowing how your wife’s pregnancy or delivery will go. What if (God forbid) your child is born with a disability - or your wife gets gestational diabetes -or any of 1 million things that can happen …one problem and you’re gonna owe hundreds and hundreds of thousands of dollars.
And If your child is a PREEMIE and spends weeks+ in a NICU - it will bankrupt both of you.
If you don’t have a trusted adult who can explain how health insurance works, maybe you can ask your HR person at work to sit down with you and ELI5.
Please get help- it’s clear you have no concept of financial literacy, please talk to somebody about life insurance too - for both of you…
I find it hard to believe you were able to find an OB/GYN practice and hospital willing to take your wife on as a patient with no insurance and a combined income that low…
(And it’s Medicaid you were referring to not Medicare … Medicaid is for those with low income; you wouldn’t qualify for Medicare because you’re not disabled or a retired, senior citizen…)