My health insurance ends on 8-15-12 because I am no longer a college student and I got my insurance through my college. My hubby does not have insurance with his job now and won't unless he gets a teaching job, which is a slim chance. I'll get insurance if I get a teaching job but that's not looking too good right now.
I want to TTC and hubby is just about decided that he wants to too. I'm 100% but he's probably 80%.
Problem is my health insurance coverage. I have been looking at plans online and I think I can get a plan for $320 a month that covers maternity and prescriptions, or a plan for $254 without prescriptions. Both have a cap of $700 a year for office visits. However, I'm afraid they won't insure me if I get pregnant before getting the coverage because it'll be an pre-existing condition. But I can't get the plan now because I still have my other plan.
Then there is the option of medicaid. I would have to go through the state's welfare office for this and there are strict guidelines on it. My annual income between my husband and myself can't be more than $24,000. We will exceed this in 2012 because of my unemployment income.
Does anyone have any suggestions for me? I'm not sure what to do. I guess the practical thing would be to wait TTC until one of us has a job with insurance but I just don't want to wait any longer. I'll be 33 in October. Plus, it may take us a while TC because of my issues.