Ok, so we're not crazy.

marriedfilingjointly

http://community.thebump.com/cs/ks/forums/thread/42118740.aspx

missy68

*headdesk*

Blueyed228

Some people are so stupid.

If you cant afford good insurance, why would you assume you can afford a baby?

[Deleted User]

What is maternity care? Like ultrasounds, hospital visits, labor, etc? I didn't even know that there were insurance plans that excluded that stuff. I don't know why anyone would TTC without having that kind of coverage.

ohwhynot

Hmmmm.  I got as far as the poster who has the picture of her H and kids in the pumpkin field and I had to stop and linger . . . now THAT is handsome man. 

AllAboutTheBenjamin

Shitballs.

SarahPLiz

If you read to the end, the OP was just asking questions about coverages. It all turned out ok. But yeah, we're not crazy. 

LedZeppelin

I can't imagine being pregnant without insurance that would cover it. You'd drown in medical bills.

In addition to regular dr. appointments, I had 2 or 3 trips to the ER while I was pregant, not to mention my 2 day stay in the hospital when Emerson was born.

I, did, however have some issues with Emerson's coverage, because my insurance people were a bunch of assholes. I was covered under my dad's insurance, since I was only 21 when I got pregnant. My dad and I both checked with them on more than one occasion about whether Emerson would be covered by them. They said he would be covered for 30 days. After he was born, however, they said, "oh no. he's not covered." Luckily, FI's insurance covered him, but we just thought we'd have a few days to rest before having to get him switched over.

 I was really stressed out about that situation. It would be plain crazy to TTC without proper coverage.

marriedfilingjointly

Haha he is very good looking.

Sesh, I think so.  A lot of private plans charge astronomically higher rates to include maternity care. 

I only spent 24 hours in the hospital for my surgery and it was $35K.  I can't imagine what an emergency c-sec would cost. 

missy68

Had my SIL gotten pregnant through IVF, her insurance wouldn't have covered labor and delivery or anything. She worked for a Catholic hospital.

She doesn't anymore.

LedZeppelin

Thanks, dmiller!

[Deleted User]

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_ok-were-not-crazy?plckFindPostKey=Cat:Wedding BoardsForum:17Discussion:7810021c-a1a9-4d56-9e26-fb54d55eef85Post:f4f7c40c-423c-4d5f-8982-68a83ef71f07">Re: Ok, so we're not crazy.</a>:
[QUOTE]Haha he is very good looking. Sesh, I think so.  A lot of private plans charge astronomically higher rates to include maternity care.  I only spent 24 hours in the hospital for my surgery and it was $35K.  I can't imagine what an emergency c-sec would cost. 
Posted by marriedfilingjointly[/QUOTE]

Huh, didn't know that. In that case, yeah that's just stupid to TTC without proper coverage. You'd drown in debt before you were even in your third trimester.

I just learned that my work only gives people 6 weeks off maternity leave. All this time I thought it was the law that you had to allow 3 months paid leave, but that's not how it is here. You get 6 weeks, then it's vacation time. Apparently we're not a very baby-sympathetic workplace.

marriedfilingjointly

Yeah, the 3 month thing can be paid or unpaid, they just can't give your job away (I think).  Does your workplace have short-term disability?  At my old job, most women would use the 6 weeks of paid maternity leave and then use short-term disability for the remainder of the 3 months.  We were eligible for it after one year of service.

If your workplace doesn't offer it, you can buy it from Aflec or somewhere as an add-on pretty cheaply.  You usually have to have it for 6 months to a year before getting pregnant for it to cover maternity leave. 

dazed2confused

only way that no insurance works is if you go the mid-wife route.  That is what one of my friends did and it cost here 1200 total for everything.  I however would not being TTC without insurance.  No way, no how.

marriedfilingjointly

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_ok-were-not-crazy?plckFindPostKey=Cat:Wedding%20BoardsForum:17Discussion:7810021c-a1a9-4d56-9e26-fb54d55eef85Post:99427742-be48-4027-88b2-24ffdd735097">Re: Ok, so we're not crazy.</a>:
[QUOTE]only way that no insurance works is if you go the mid-wife route.  That is what one of my friends did and it cost here 1200 total for everything.  I however would not being TTC without insurance.  No way, no how.
Posted by dazed2confused[/QUOTE]

That's amazing.  Was that at a birthing center or was it a home birth?

pirategal03

I'm not sure the bump is really a good indicator of "not crazy" but on this, I have to agree. 

marriedfilingjointly

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_ok-were-not-crazy?plckFindPostKey=Cat:Wedding%20BoardsForum:17Discussion:7810021c-a1a9-4d56-9e26-fb54d55eef85Post:e6694668-9f2f-43d9-a837-d98d754c3d85">Re: Ok, so we're not crazy.</a>:
[QUOTE]In Response to Re: Ok, so we're not crazy. : oops I didn't see your post before I posted!
Posted by mag920[/QUOTE]


Jinx!

I'm glad you said it though, because I wasn't sure if I was saying it right. 

kd.joseph

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_ok-were-not-crazy?plckFindPostKey=Cat:Wedding BoardsForum:17Discussion:7810021c-a1a9-4d56-9e26-fb54d55eef85Post:6a2711b1-b3fb-4cfa-b48a-b3eaf450ecb8">Re: Ok, so we're not crazy.</a>:
[QUOTE]Hmmmm.  I got as far as the poster who has the picture of her H and kids in the pumpkin field and I had to stop and linger . . . now THAT is handsome man. 
Posted by ohwhynot[/QUOTE]

You're so funny I stopped there as well but to look at the kids and the pumpkins. I was reminiscing of the days when my boy was small. And those are some big pumpkins!

marriedfilingjointly

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_ok-were-not-crazy?plckFindPostKey=Cat:Wedding%20BoardsForum:17Discussion:7810021c-a1a9-4d56-9e26-fb54d55eef85Post:2783bdd2-4880-46ca-b46e-bd94ab11c988">Re: Ok, so we're not crazy.</a>:
[QUOTE]I'm not sure the bump is really a good indicator of "not crazy" but on this, I have to agree. 
Posted by pirategal03[/QUOTE]


Touche!

kd.joseph

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_ok-were-not-crazy?plckFindPostKey=Cat:Wedding BoardsForum:17Discussion:7810021c-a1a9-4d56-9e26-fb54d55eef85Post:60e4151f-53d6-4c12-908f-028a6d200a61">Re: Ok, so we're not crazy.</a>:
[QUOTE]awww Led, I love your new sig pic, that's adorable.
Posted by dmiller9274[/QUOTE]

Ditto. I meant to tell you the other day. He is adorable.

[Deleted User]

MFJ and mag--I see, I didn't know that. It doesn't really matter for me, since we aren't having kids, but a co-worker just had a baby and another is due in a few months so it's been talked about recently. We work for a big company, so I was surprised they didn't get all 3 months off fully paid.

One girl had to buy that special insurance you were talking about for her son. He gets sick a lot and has to go to the hospital, and they were going to fire her for taking days off (even though she has available vacation hours), so she bought that to protect her job.

number55

I would like to state for the record that all of this is completely confusing to me because we have health care and 12 month maternity leave in Canada...I would never have thought to think about having insurance to get pregnant. Don't thousands of Americans not have insurance and get pregnant all the time? How do they pay for the delivery if it costs so much? 

TurtlesAllTheWayDown

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_ok-were-not-crazy?plckFindPostKey=Cat:Wedding%20BoardsForum:17Discussion:7810021c-a1a9-4d56-9e26-fb54d55eef85Post:1e3f8218-5cd7-41aa-a518-21c78c9d0335">Re: Ok, so we're not crazy.</a>:
[QUOTE]Some people are so stupid. If you cant afford good insurance, why would you assume you can afford a baby?
Posted by Blueyed228[/QUOTE]

If you can afford to pay for delivery out of pocket, you can afford an insurance policy that will cover maternity. Duh.

FI's cousin's last baby racked up something horrifying, like $750,000 in medical bills. She was their 5th kid and I'm positive they had insurance, but still.

sucrets4

Craziness!

Em's birth cost 7k for my csection and 14k for her 9 day NICU stay, and that's on the cheap side since we were in Arkansas.  Of course we didn't pay that, but it's still sobering.

Some ladies in high COL areas paid over 100k.  There was a post on tb about it awhile ago.

leia1979

I think it also varies state by state. I looked this up for a few coworkers because HR wasn't helpful.

In CA you can get disability at the end of your pregnancy if the doctor says you shouldn't be at work. Then you get 6 weeks disability (8 weeks for C-section) followed by 6 weeks of bonding time that can be taken anytime within the first year. You can also get bonding time for an adoption, and it's for both mom and dad.

That's all at about 2/3 pay and is paid by the state. Anything extra varies by company. My current company only pays for one week (I think).

MarriedInAFever

My head is spinning right now.

TurtlesAllTheWayDown

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_ok-were-not-crazy?plckFindPostKey=Cat:Wedding%20BoardsForum:17Discussion:7810021c-a1a9-4d56-9e26-fb54d55eef85Post:a2e40854-4f96-40a6-ad86-00d74fe74813">Re: Ok, so we're not crazy.</a>:
[QUOTE]I would like to state for the record that all of this is completely confusing to me because we have health care and 12 month maternity leave in Canada...I would never have thought to think about having insurance to get pregnant. Don't thousands of Americans not have insurance and get pregnant all the time? How do they pay for the delivery if it costs so much? 
Posted by number55[/QUOTE]

Medicaid. (Medicaid is for poor Americans, Medicare is for older Americans - it's basically the only form of socialized health care we have here.) There are also state healthcare programs to cover children and pregnant/lactating mothers. But the income qualifications for Medicaid are rather steep. It seems like the OP in the bump post is either self-employed or somehow doesn't qualify for workplace insurance, so they have a high-deductible or limited plan paid out of pocket. There's a large gap between the income qualification for medicaid and being able to afford $1500/month insurance coverage, which I'm pretty sure that girl falls into.

And CA has 12 weeks of maternity leave (not paid, just leave), which is fairly progressive for the US.

katiewhompus

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_snarky-brides_ok-were-not-crazy?plckFindPostKey=Cat:Wedding BoardsForum:17Discussion:7810021c-a1a9-4d56-9e26-fb54d55eef85Post:a822bbb6-7a5f-4891-abc3-e3d1281271c3">Re: Ok, so we're not crazy.</a>:
[QUOTE]In Response to Re: Ok, so we're not crazy. : Huh, didn't know that. In that case, yeah that's just stupid to TTC without proper coverage. You'd drown in debt before you were even in your third trimester. I just learned that my work only gives people 6 weeks off maternity leave. All this time I thought it was the law that you had to allow 3 months paid leave, but that's not how it is here. You get 6 weeks, then it's vacation time. Apparently we're not a very baby-sympathetic workplace.
Posted by Seshat411[/QUOTE]

I get 6 weeks UNpaid leave, or 8 weeks if its a C-section. But yeah, all unpaid, and any extra time is unpaid too.

Even with the troubles we've been having we stopped for 3 months when my job, aka benefits, were up in the air. Yes there's help out there, but being pregnant with no insurance does not sound like fun. The first thing I did when Scott got on his new insurance was make sure they did not include pregnancy as a pre-existing condition so that if I lost my job this year it would be covered (I'm trying to think positively, but it's really hard to do today)