O-Trap
Posts: 14,994
Apr 26, 2017 5:04pm
So, I mentioned awhile back that we were adopting. Now, the agency is putting that on hold, because Mrs. O-Trap is expecting. After about seven and a half years of trying, we're going to have a baby.
However, I don't get my company's insurance for another couple months. In the meantime, we're having to self-pay, which is on the pricey side.
We make okay money, so we've been able to afford things so far, and we have family willing to help if necessary, but are there any ideas out there on helping cover the visit and test costs for the next couple months, aside from government-instituted initiatives (which we would not likely qualify for, anyway)?
However, I don't get my company's insurance for another couple months. In the meantime, we're having to self-pay, which is on the pricey side.
We make okay money, so we've been able to afford things so far, and we have family willing to help if necessary, but are there any ideas out there on helping cover the visit and test costs for the next couple months, aside from government-instituted initiatives (which we would not likely qualify for, anyway)?
sleeper
Posts: 27,879
Apr 26, 2017 5:07pm
Congrats!O-Trap;1849953 wrote:So, I mentioned awhile back that we were adopting. Now, the agency is putting that on hold, because Mrs. O-Trap is expecting. After about seven and a half years of trying, we're going to have a baby.
However, I don't get my company's insurance for another couple months. In the meantime, we're having to self-pay, which is on the pricey side.
We make okay money, so we've been able to afford things so far, and we have family willing to help if necessary, but are there any ideas out there on helping cover the visit and test costs for the next couple months, aside from government-instituted initiatives (which we would not likely qualify for, anyway)?
I do appreciate the irony of asking about government led initiatives to help people while espousing libertarian values.
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friendfromlowry
Posts: 6,239
Apr 26, 2017 5:17pm
Deliver the baby yourself at home.
O-Trap
Posts: 14,994
Apr 26, 2017 5:21pm
I said "aside from government-instituted initiatives." I wouldn't take them anyway, but I'm pretty sure we wouldn't qualify, even if I didn't have ethical reasons for not wanting them.sleeper;1849955 wrote:Congrats!
I do appreciate the irony of asking about government led initiatives to help people while espousing libertarian values.
sleeper
Posts: 27,879
Apr 26, 2017 5:24pm
There is nothing then. Good luck!O-Trap;1849958 wrote:I said "aside from government-instituted initiatives." I wouldn't take them anyway, but I'm pretty sure we wouldn't qualify, even if I didn't have ethical reasons for not wanting them.
O-Trap
Posts: 14,994
Apr 26, 2017 5:44pm
Thanks! In the end, we'll be alright, I'm sure. Just hoping for breathing room.sleeper;1849959 wrote:There is nothing then. Good luck!
CenterBHSFan
Posts: 6,115
Apr 26, 2017 5:50pm
Congratulations!
I've heard local radio ads about a conservative med-share type of thing before. I can't think of the name of it, though XD
I've heard local radio ads about a conservative med-share type of thing before. I can't think of the name of it, though XD
O-Trap
Posts: 14,994
Apr 26, 2017 5:55pm
I'm certainly open to checking it out. I'm sure I can dig up something with that much information. Thanks!CenterBHSFan;1849964 wrote:Congratulations!
I've heard local radio ads about a conservative med-share type of thing before. I can't think of the name of it, though XD
C
Con_Alma
Posts: 12,198
Apr 26, 2017 6:51pm
Congrats O-Trap!!!O-Trap;1849965 wrote:I'm certainly open to checking it out. I'm sure I can dig up something with that much information. Thanks!
https://mychristiancare.org/medi-share/
O-Trap
Posts: 14,994
Apr 26, 2017 7:41pm
Thanks!
Heretic
Posts: 18,820
Apr 26, 2017 7:49pm
Congrats! As for the other issue of $$$ help, the number of clues I have = 0. But congrats!
C
Con_Alma
Posts: 12,198
Apr 26, 2017 7:59pm
Good luck....although I don't know if medi-share covers pregnancy expenses.O-Trap;1849976 wrote:Thanks!
Fab4Runner
Posts: 6,196
Apr 26, 2017 8:01pm
How exciting! Congrats! 
Z
Zunardo
Posts: 370
Apr 26, 2017 8:18pm
Congratulations!
Time to stock up on dill pickle-flavored ice cream for the wife, and Kroger-brand disposable diapers for the new rugrat.
Time to stock up on dill pickle-flavored ice cream for the wife, and Kroger-brand disposable diapers for the new rugrat.
Iliketurtles
Posts: 8,191
Apr 26, 2017 8:22pm
That's awesome news. Congrats to you and your wife!
FatHobbit
Posts: 8,651
Apr 26, 2017 9:36pm
Congrats!
like_that
Posts: 26,625
Apr 26, 2017 9:42pm
Congrats, be sure to teach your child from day one to hate taxes [emoji108].
OSH
Posts: 4,145
Apr 26, 2017 10:24pm
I don't know what is considered "pricey" for health insurance.
I recently had to purchase a gap insurance plan since I've changed jobs. For me and my two girls it costs $150-160 a month. It's a solid plan too. We'll be on it for maybe a little over a month to two months. My wife has her own insurance through her school district. I don't know how much it costs, but she said once another person or persons are added onto it the costs skyrocket. I don't know what that was though.
I recently had to purchase a gap insurance plan since I've changed jobs. For me and my two girls it costs $150-160 a month. It's a solid plan too. We'll be on it for maybe a little over a month to two months. My wife has her own insurance through her school district. I don't know how much it costs, but she said once another person or persons are added onto it the costs skyrocket. I don't know what that was though.
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friendfromlowry
Posts: 6,239
Apr 26, 2017 10:35pm
How far along is your wife? If she's still early on, you can probably get away with not many doctor visits or ultrasounds as long as everything has looked good so far.
S
Sonofanump
Apr 26, 2017 11:24pm
Congrats, do what my parents did, check into the hospital at 12:01am so you don't get charged for an extra day.
V
vball10set
Posts: 24,795
Apr 27, 2017 9:06am
very cool--congrats to you and Mrs. O-Trap!
justincredible
Posts: 32,056
Apr 27, 2017 9:19am
Echoed. Congrats man!like_that;1850017 wrote:Congrats, be sure to teach your child from day one to hate taxes [emoji108].
J
jmog
Posts: 6,567
Apr 27, 2017 9:31am
Congrats!
Just don't go to the doctor for the next 3 months, take some over the counter prenatal vitamins and everything will be fine.
We had a similar situation with our second child actually, and we told her OBGYN that for the first couple months we would be paying out of pocket/cash and then would have insurance.
They REALLY backloaded the different tests/visits for us and only did the required visits/tests the first few months to make sure everything was 'ok' with mom and baby. I ended up having to pay less than $1000 total until we had insurance.
Just talk to the doctor up front and explain, they typically will work with you (mainly because they think most people paying up front end up not paying for like a decade).
Just don't go to the doctor for the next 3 months, take some over the counter prenatal vitamins and everything will be fine
.We had a similar situation with our second child actually, and we told her OBGYN that for the first couple months we would be paying out of pocket/cash and then would have insurance.
They REALLY backloaded the different tests/visits for us and only did the required visits/tests the first few months to make sure everything was 'ok' with mom and baby. I ended up having to pay less than $1000 total until we had insurance.
Just talk to the doctor up front and explain, they typically will work with you (mainly because they think most people paying up front end up not paying for like a decade).
Q
QuakerOats
Posts: 8,740
Apr 27, 2017 10:03am
Congratulations!
Sounds like the baby might be born before year-end, so you will get another exemption/deduction that will help.
Sounds like the baby might be born before year-end, so you will get another exemption/deduction that will help.
mcburg93
Posts: 3,167
Apr 27, 2017 10:10am
Congrats!