S.C. asks from Dallas, TX on June 07, 2007
Please Please Help!
I just found out I may be pregnant. This is great news since my husband and I have been trying since January. Not such great news since he just had to resign from his job. We now have no insurance. We cannot afford Cobra. I am going to substitute teach in the Fall hopefully, and get my teacher certification and hopefully teach school starting Fall of 2008.
I need advice on the cost of having a baby without insurance. How do I do it? I am sure our parents will help with money for doctor's and all of that, but does anyone know how much a typical dr.'s appt would run? How much is a delivery in a hospital? I am sure we do this, alot of people do, but i am so so so freaked out.
We have three kids who live with us full time from my husbands' previous marriage and thankfully their mother has to cover them on insurance.
I would love to know anyone's take on this because i am really scared. Thank you.
M.E. answers from Dallas on June 08, 2007
Why don't you try to get assistance from the state? That's what it is there for. I think each doctor visit would be about $100-$200 depending on what test they run and if it's a normal delivery it's around $3000-$5000. If you have been paying taxes you've earned what ever assistance the state can give you. You would be using it for what they intended not abusing it like so many others do. I think if you go to the Texas Department of Human Services they should have a web site that can help.
C.F. answers from Dallas on June 07, 2007
A private pay routine office visit could run from 90-150. The ultrasounds could run from anywhere around 250-750. And the delivery could run from 2,500-4,000. That's just an estimate from when I worked at the hospital. You can apply for Medicaid, being pregnant you're eligible, they are not partial in this situations.
K.L. answers from Dallas on June 07, 2007
I am 11 weeks pregnant with my second child and I do not have health insurance either. I used Medicaid for my daughters birth and I am having to use it again for my second child. Just be aware that it takes a few weeks for everything to get going. After that it's very easy and you do not pay a single penny out of your pocket for ANYTHING. You will need to contact your local Health and Human Services Department and they will require you to fill out an application and take a pregnancy test. Hope this helps!
A.F. answers from Dallas on June 08, 2007
Is it possible that you or your husband seek other employment & utilize the insurance benefits that are offered at least until you are complete w your pregnancy?
D.H. answers from Dallas on June 08, 2007
Hi S. -
It seems like it would be cheaper to borrow the money from your parents to pay the Cobra premiums until the baby is here, rather than having to borrow the $ to pay for all the Dr visits and delivery. I bet it's $20,000 to have a baby in a hospital... but you could call the dr and the hospital and get some numbers and compare all that to paying the premiums... Of course, if the time to sign up for Cobra has passed, then it's a non-issue. you guys will just have to borrow the fund and do it, and in the long run it won't be so bad. You'll get through this and have a wonderful child, which is worth more than any amount of money!
Sorry to hear you are having to deal with this at a time that you would otherwise just be happy to have a baby on the way! I don't know if you have a relationship with God, but if not, consider putting your trust in Him and let Him carry the burdens for you. Allow yourself to feel the JOY of knowing that you have a child on the way! Awesome!
You are in my prayers!
D. in Dallas
R. answers from Dallas on June 13, 2007
Apply for Medicaid * have proof of pregnancy from a free
pregnancy testing place or planned parenthood*, WIC, and
Medicaid pays all of your prenatal care. And for the
care of the new one. YOu may also be able to get it for
the whole family. WIC makes sure you are getting healthy
things for your changing body. Then for when your nursing
as well as the new baby. Will get till baby turns 5, free
milk, juice, eggs cereal is a help.
L.L. answers from Dallas on June 08, 2007
There is nothing to be scared of! God gives us challenges everyday that he knows that we can handle or he wouldnt give them to us at all. Apply for medicad for the baby and your pregnancy. I currently am on medicad for my baby that will be here in Aug. They pay for all your doctors visits as well as the labor and delivery. Any questions please feel free to ask me!
D.W. answers from Dallas on June 07, 2007
Since my hubby is self employed all of my kiddos were non-insurance babies.
I worked w/ my OB and he let me do payments. His totla ofr a Vaginal delivery was $2200. Doctor's Hospital of Dallas has a "Cash PAy program" which was only $1700 for the delivery and a 2 day stay for baby and I. The Peds visit was I think $200, but that is reimbursable if you put the baby on a plan like Unicare right away (you will need that for well checks anyway). The pregnancy resource Center of Dallas can do free sono's. They also offer free childbirth classes. I'd give them a call- http://www.dallaspregnancyresource.com/.
I have seen a couple of suggestions for Nurse midwives- many of my friend who also have self-employed hubbies have used them and RAVE about them- so meet w/ a couple and see how you feel about that option.
J.B. answers from Dallas on June 08, 2007
You can have your baby with The Birth and Women's Center in Dallas, with Cherie. It's $4500 cash, paid by 1 month before the due date. It's a great place to have a baby and it is a beautiful experience.
L.A. answers from Dallas on June 07, 2007
An uneventful delivery (natural, no complications) can be anywhere from 2-5000. A cesearean for my friend was almost 13,000, but if the baby has to go to NICU or has complications, that can be more.
Hopefully, you will qualify for Medicaid. I have heard of the Maternity Card. It has helped many women, but I'm not sure exactly how it works. Here's the site: