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Forum
-> Household Management
-> Finances
amother
OP
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Mon, Jan 08 2024, 1:29 pm
I currently only have health insurance through a Medicaid plan. My OB doesn't take it and I am unemployed rn. Is there any way for me to get on a private insurance once I'm expecting, and how?
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amother
Burntblack
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Mon, Jan 08 2024, 1:39 pm
I'm confused. Did you just lose your job? Because if you did then you can continue your coverage thought COBRA
If not I'm not there are any other options for private insurance. What was your plan when you went to an Ob who doesn't accept medicaid? You may need to switch docs to someone in network with medicaid
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amother
DarkMagenta
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Mon, Jan 08 2024, 8:08 pm
You can ask Advanced advocacy if they do this
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amother
Blue
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Mon, Jan 08 2024, 8:20 pm
I don't know your exact situation but most likely if you can get it from my private insurance broker between now and January 31st. Maybe becoming pregnant is a qualifying event too? Ask the broker.
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amother
OP
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Mon, Jan 08 2024, 8:22 pm
amother Blue wrote: | I don't know your exact situation but most likely if you can get it from my private insurance broker between now and January 31st. Maybe becoming pregnant is a qualifying event too? Ask the broker. | thanks! Any recommendations of one?
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amother
Cantaloupe
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Mon, Jan 08 2024, 8:48 pm
amother OP wrote: | thanks! Any recommendations of one? |
Achiezer in the 5 towns can probably help
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amother
Electricblue
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Mon, Jan 08 2024, 8:59 pm
I had this situation when I got pregnant a few months ago and was unemployed/on Medicaid (NJ)
I signed up for separate insurance through the marketplace that my dr accepts, but since im on Medicaid I don’t get any discounts on the premiums. The plans were horrible and im paying around $800 per month for it.. planning on canceling it the second the baby is born
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amother
Cantaloupe
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Mon, Jan 08 2024, 9:04 pm
amother Electricblue wrote: | I had this situation when I got pregnant a few months ago and was unemployed/on Medicaid (NJ)
I signed up for separate insurance through the marketplace that my dr accepts, but since im on Medicaid I don’t get any discounts on the premiums. The plans were horrible and im paying around $800 per month for it.. planning on canceling it the second the baby is born |
You didn't have a problem with them not covering pregnancy because you weren't on from before?
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amother
Electricblue
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Mon, Jan 08 2024, 9:09 pm
amother Cantaloupe wrote: | You didn't have a problem with them not covering pregnancy because you weren't on from before? |
What do you mean?
I was already on Medicaid but my obgyn didn’t accept it, and I didn’t want to switch doctors. Medicaid allows me to have another insurance through the marketplace, I just don’t get any tax breaks (premium discounts)
So I currently have both insurances, Medicaid and marketplace plan
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amother
Lime
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Mon, Jan 08 2024, 9:10 pm
amother Cantaloupe wrote: | You didn't have a problem with them not covering pregnancy because you weren't on from before? |
Since the Obama days it's been illegal for insurances not to cover pre-existing conditions.
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amother
Cantaloupe
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Mon, Jan 08 2024, 9:13 pm
amother Lime wrote: | Since the Obama days it's been illegal for insurances not to cover pre-existing conditions. |
Including pregnancy? This is great news for me
Thank you
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amother
Electricblue
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Mon, Jan 08 2024, 9:17 pm
In NJ you have even higher eligibility chances if you are currently pregnant, as they raise the income limits (for Medicaid)
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