pregnant with no insurance

pregnant with no insurance

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courtney

Columbia, SC

#1 Oct 10, 2011
I am pregnant and currently have no health insurance. I do not qualify for tenncare or wic or anything like that. I've read online that some hospitals do a discount package for self pay patients that include prenatal dr visits and delivery. Does anyone know if any hospitals in our area offer this? Obviously rogersville doesn't deliver babies but holston valley, indian path, lakeway, or Morristow hamblen?
i know

Jonesborough, TN

#2 Oct 10, 2011
courtney wrote:
I am pregnant and currently have no health insurance. I do not qualify for tenncare or wic or anything like that. I've read online that some hospitals do a discount package for self pay patients that include prenatal dr visits and delivery. Does anyone know if any hospitals in our area offer this? Obviously rogersville doesn't deliver babies but holston valley, indian path, lakeway, or Morristow hamblen?
Have u tried for TennCare since u got pregnant ?? Because if u didn't qualify before u probably do know... Just a thought .. I kinda thought all pregnant people got TennCare . I have seen them with their commercial insurance and TennCare!
Direct and to the point

United States

#3 Oct 11, 2011
In Tn no insurance you get TNCARE
tips

Johnson City, TN

#4 Oct 11, 2011
Yes, TennCare has different guidelines once you get pregnant and up to a year after birth or something like that. You have to be making quite a bit of money to not qualify if you are pregnant.

There's not much in the way of decent and affordable obstetrics around here. You might want to consider going as far as Knoxville, but you'll need someone to drive you there for delivery since there's it's not advisable to be driving one's self once the contractions start.
courtney

Columbia, SC

#5 Oct 11, 2011
I am married with a 4 year old and for a family our size you can't gross more than 2600 monthly, believe me I checked. We don't make a huge amount of money and most of what we do make goes to our house payment and other bills. We are hard working and not looking for a hand out just tips on anyone you may know with the fairest priced services.
bull dung

Madisonville, TN

#6 Oct 11, 2011
What exactly do you need? Having a baby you only need a towel and pan of hot water.....saw it on TV!!
hEY

Nashville, TN

#7 Oct 11, 2011
oK when i found out i was prego the first step is get a appointment with the health department to confirm your pregnant. Then they will give you temp tenn care and wic that same day. Then the next step is find a doctor which i perfer Tammy Baird. You get a appointment with her but in order for you to go to a doctor the health department has to confirm your pregnant. Then when you get your appointment made with tammy, you take the pink slip the health department gave you for insurance you take it to the food stamp office and then they will fix it.. And you can get food stamps if you want. But first visit you get 10 tubes of blood took. then you go from there.
hEY

Nashville, TN

#8 Oct 11, 2011
But if you dont qualify then good luck cause my first visit was almost 1000 dollars cause they run all kinds of test on you well your blood work and you have to get a pap.. And its expensive..
Been there

Kingsport, TN

#9 Oct 11, 2011
courtney wrote:
I am married with a 4 year old and for a family our size you can't gross more than 2600 monthly, believe me I checked. We don't make a huge amount of money and most of what we do make goes to our house payment and other bills. We are hard working and not looking for a hand out just tips on anyone you may know with the fairest priced services.


Ok if you are married & you bring in that amount of money then why doesnt your husband get insurance through work? I have been through this 2 times. The only reason they can deny you is if your husband has the choice to get insurance on you and he isnt taking it. If he isnt offered insurance at work then they will give you tenncare as long as you are pregnant. What are your children doing for health insurance?
Been There

Johnson City, TN

#10 Oct 11, 2011
Hm, look, if you are young and healthy, the TennCare pays a fixed price for some of the pregnancy stuff which is all inclusive but doesn't cover emergency situations. So some places SHOULD be able to give you the fixed price as well.

There are a LOT of caesareans in Tennessee, far above here it should be, and they are done mostly to make extra money from the insurance. To keep your cost down you need a doctor that isn't going to do you that way.

Go to the Lisa Ross Birth Center in Knoxville. I think you will be able to work out a fixed price, it might be around $5000, but talk to them. That won't include if you get transferred to a hospital if there is a problem.

If there is a big problem, you will be basically doomed. A round in the NICU (Natal intensive care unit) will cost you $250,000 to $5 million depending on the problems. Many women there had gestational diabetes because of obesity and had premies at 6 months that cost millions to keep alive.

Hopefully you are not obese or have diabetes. If you are and you run into the big problems, basically you're going to end up going through a medical bankruptcy, which shouldn't be a big problem since you don't own your own home yet so there's less of a hit there. The chances of these problems are small though, but don't worry about it. If it happens and you go bankrupt you go bankrupt, and then you move on with a fresh start.

With no insurance it is very important you keep your health.

Even if you don't want to do a more natural birth, you should check out the birth center anyway, they'll show you around and talk to you about all the options and the nurse-midwives there (the midwives are also registered nurses) know a lot about all the different options in the area. Most of them volunteer, the whole place is non profit, so they aren't just going to try to sell you on something you don't want, they are all about people having a birth the way they want to do it.

With all the recent health care reform it's interesting to me that you're not covered since folks like you were supposed to get covered under state Medicaid programs. Also interesting your husband's employer doesn't provide insurance, that was supposed to be changed as well. I guess there must be lots of loopholes then.
courtney

Mooresville, NC

#11 Oct 11, 2011
I never said my husbands company didn't offer insurance, they do, but it costs over 400 dollars a month and we can't comfortably afford that nor did we feel we needed it at the time as my husband and I rarely go to doctors. His company pays for their employees to get yearly physicals, and I pay for my yearly pap out of pocket at the health dept. We did not plan this pregnancy or perhaps we would have enrolled in the insurance when we had a chance. New enrollment isn't until january and my pregnancy will be considered a pre existing condition and not covered. My son gets cover kids insurance. Its a type of tenncare only its not completely free, there are copays on all dr visits and such. My first pregnancy was easy with no complications and im hoping to be blessed with another easy delivery (though I know better than to count on that) I will definitely be looking into the birthing center you mentioned that was very helpful.
kelly

Sevierville, TN

#12 Oct 11, 2011
Im 30 weeks pregnant with no insurance. And I lost my birth certificate, social security card and never had a i.d. And i'm not from tennessee so they denied me insurance. It's very nerve racking when i have ob bills piling up like crazy. Just for prenatal check up it's 95.00 and thats alot concidering i have NO income. any one with suggestions on this?
Been There

Johnson City, TN

#13 Oct 11, 2011
courtney wrote:
I never said my husbands company didn't offer insurance, they do, but it costs over 400 dollars a month and we can't comfortably afford that nor did we feel we needed it at the time as my husband and I rarely go to doctors. His company pays for their employees to get yearly physicals, and I pay for my yearly pap out of pocket at the health dept. We did not plan this pregnancy or perhaps we would have enrolled in the insurance when we had a chance. New enrollment isn't until january and my pregnancy will be considered a pre existing condition and not covered. My son gets cover kids insurance. Its a type of tenncare only its not completely free, there are copays on all dr visits and such. My first pregnancy was easy with no complications and im hoping to be blessed with another easy delivery (though I know better than to count on that) I will definitely be looking into the birthing center you mentioned that was very helpful.
You should have said that before. That is your answer right there. It's going to cost you more than $400 to have the baby and having insurance would have avoided the problem of going bankrupt should there be any complications. It sounds like you might have preexisting conditions obviously, but supposedly the health care bill is supposed to make it so they can't deny you group coverage because of it.
Been There

Johnson City, TN

#14 Oct 11, 2011
kelly wrote:
Im 30 weeks pregnant with no insurance. And I lost my birth certificate, social security card and never had a i.d. And i'm not from tennessee so they denied me insurance. It's very nerve racking when i have ob bills piling up like crazy. Just for prenatal check up it's 95.00 and thats alot concidering i have NO income. any one with suggestions on this?
How old are you. Have you ever had a job? Where is the father?
Been There

Johnson City, TN

#15 Oct 11, 2011
BTW,$400 for three people is extremely low for comprehensive health insurance. I have seen estimates that under the new health care plan, the basic level "Bronze" plan that has high co-pays will cost a 4 person family around $16,000 a year in premiums.
Been There

Johnson City, TN

#16 Oct 11, 2011
And of course you are required by law to buy it starting next year and if you don't buy it you have to pay fines to the IRS.
orions

United States

#17 Oct 11, 2011
you're not looking for a hand out, yet you say your child is covered by a "discount-type" of healthcare which is provided by the state of tennessee. I had tenncare when I was pregnant and I was not looking for a "hand-out." If you and your husband gross over twenty-six hundred a month and opt-out of paying for insurance, you (and your husband) are irresponsible. Not only should you have insurance to protect yourself and your husband, but you should have been thinking about the welfare of your child's only parents. Why were you not considering birth control, even the pull-out method, when you two were sexing it up? Another irresponsible choice... Nobody is judging you for getting state provided insurance and that's no hand-out friend! What one will judge you for is being impregnated when you're without insurance and being irresponsible. Being worried worried about receiving a "hand-out" and being stereotyped should be the last of your concerns. If you can't afford all this- get a divorce, apply for tenncare.
i know

Jonesborough, TN

#18 Oct 11, 2011
kelly wrote:
Im 30 weeks pregnant with no insurance. And I lost my birth certificate, social security card and never had a i.d. And i'm not from tennessee so they denied me insurance. It's very nerve racking when i have ob bills piling up like crazy. Just for prenatal check up it's 95.00 and thats alot concidering i have NO income. any one with suggestions on this?
Yeah call the SS office of where ever u were born and ask them to send u a copy if your stuff
GO TO SS OFFICE

Knoxville, TN

#19 Oct 11, 2011
kelly wrote:
Im 30 weeks pregnant with no insurance. And I lost my birth certificate, social security card and never had a i.d. And i'm not from tennessee so they denied me insurance. It's very nerve racking when i have ob bills piling up like crazy. Just for prenatal check up it's 95.00 and thats alot concidering i have NO income. any one with suggestions on this?
And ask for help..You can go to greenville or kpt not sure if any are closer. But start there getting a birth cetificate if you know the dates and state should be no problem.
id issues

Johnson City, TN

#20 Oct 11, 2011
It used to be no problem to get a certified copy of your birth certificate in most states. Not anymore. You need to either show up in person and show id, or send in a photocopy of your id. If you don't have id, in some states they won't let you have a copy of your birth certificate. And of course without the certificate you can't get an id.

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