First Trimester of Pregnancy Forum - Pregnancy And First Trimester


Pregnancy And First Trimester

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number game

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Joined: 04 Jun 2007
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Location: Charlotte, NC,

Pregnancy And First Trimester Posted: 06-04-07 14:32pm


Hi everyone! Just found out I'm preggers last Thursday! I'm so excited. Not many symptoms though. Just slight cramping (pulling and streching), peeing a whole lot, constipation and hungry. Thank God there is no morning sickness. I think that today I'm 5 weeks. I have a doctors appt. on the 18th of this month. Bad news is my insurance dosen't cover pregnancy, birth or anything in between. Anyone else in their first trimester and or first pregnancy? What are you symptoms? And have you been making any baby plans?

babyAndy

Experienced User , Rather EHEALTHy

Joined: 12 May 2007
Posts: 347

Posted: 06-04-07 19:58pm


Awww my gosh COGRATULATIONS!! that is fantastic. I am also almost 5 weeks with little symptoms. I am from Canada so the no insurance thing is totally over my head. What are you gonna do??Can you purchase extra insurance??

monkeygirl22

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Posted: 06-04-07 20:09pm


I have been planning for a while. We started actively trying in November. I just found out three days ago. I am really early (4 weeks Wednesday). I really hope I have twins but I know it's not that likely. I went in for a blood test today due to some other issues so I should know tomorrow how everything is going so far.

number game

Extremely EHEALTHy

Joined: 04 Jun 2007
Posts: 1212
Location: Charlotte, NC,

Posted: 06-05-07 10:20am


I think I'm gonna try and apply for pregnancy Medicaid I'm not sure if they'll give it to me though. But if they do then I'll have to postpone my wedding until after the baby is born. Because my hubby to be makes too much money for us to qulaify for the gov. assistance. I have regular insurance just dosen't cover pregnancy!!! We originally planned on getting married on July 26 2008 then have kids. But as you see the baby thing came first so it kinda threw us off. We weren't planning on it so soon. But it's great though we are both really excited!! Don't feel pregnant though it's kinda weird!!! I geuss I always thought I'd be sick and have all the symptoms all at once!!!

mamaTT

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Posted: 06-05-07 10:27am

~~rachel~~ wrote:

I think I'm gonna try and apply for pregnancy Medicaid I'm not sure if they'll give it to me though. But if they do then I'll have to postpone my wedding until after the baby is born. Because my hubby to be makes too much money for us to qulaify for the gov. assistance. I have regular insurance just dosen't cover pregnancy!!! We originally planned on getting married on July 26 2008 then have kids. But as you see the baby thing came first so it kinda threw us off. We weren't planning on it so soon. But it's great though we are both really excited!! Don't feel pregnant though it's kinda weird!!! I geuss I always thought I'd be sick and have all the symptoms all at once!!!

If you can't get on medicaid, does your hubby to be's insurance cover pregnancy? If so, maybe you could consider a small, simple wedding ceremony now and then have a larger ceremony or reception after the baby is born. I know several people that have done it that way; but many don't want too. Just a thought!!!

number game

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Joined: 04 Jun 2007
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Location: Charlotte, NC,

Posted: 06-05-07 10:32am


Now that I'm pregnant it is considered as a preexisting condition! I've alresdy tried that route. But yes his insurance does cover maternity so I'll go on his plan when we do get married!

Bridget

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Posted: 06-05-07 10:34am

mamaTT wrote:

~~rachel~~ wrote:

that's what we did. we were getting married on october 21st 2006, then we found out i was pregnant and due on october 31st 2006. we postponed the wedding and i got on medicaid. we were moving to a different state when i was 34 weeks and i would've lost my medicaid so we ended up getting married legally so i could be on my husband's insurance. nobody knows we're married (1 year on sunday!), and we're having our official wedding on october 13th 2007.

mamaTT

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Posted: 06-05-07 10:37am

~~rachel~~ wrote:

Now that I'm pregnant it is considered as a preexisting condition! I've alresdy tried that route. But yes his insurance does cover maternity so I'll go on his plan when we do get married!

Of course, the preexisting condition. Insurance always finds a way to stick it to you!!!! Confused

Good luck with getting on medicaid!!! I'm sure that you will be able to get on it, they don't turn down too many pregnant women!!!

number game

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Joined: 04 Jun 2007
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Location: Charlotte, NC,

Posted: 06-05-07 10:38am


Getting married didn't cause you to lose you medicaid benifits?

Bridget

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Posted: 06-05-07 10:45am


pregnancy isn't usually considered a preexisting condition. have you looked into this? i was already going to lose my medicaid because we were moving out of state, that's why we got married. i got on his insurance immediately and lost my medicaid (which i didn't need anymore).

number game

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Joined: 04 Jun 2007
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Location: Charlotte, NC,

Posted: 06-05-07 10:48am


Yes I called my insurance company to see if I could add on that benifit and I called his Insurance company to see that if we got married now would they cover the pregnancy and they said no because it's a pre-exsiting condition.

babyAndy

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Joined: 12 May 2007
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Posted: 06-05-07 11:14am


Is there any way you could cheat it and play ignorant, i mean your only 4 weeks, that is early to find out. You could call saying your planning on getting pregnant could we add it. Then around 6 weeks be like oh look im already pregnant?????

number game

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Joined: 04 Jun 2007
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Location: Charlotte, NC,

Posted: 06-05-07 11:17am


hehehehe!!!! I would love to be able to do that but I have this weird thing about me!!!! I CAN"T lie! I always get caught plus it makes me feel really bad. So either they give me the medicaid or I start praying really hard!!!

strvnwritr

New User, Becoming EHEALTHy

Joined: 05 Jun 2007
Posts: 14
Location: Memphis, TN

Posted: 06-05-07 19:56pm


Hi Rachel, Quick question. Is your fiance's insurance through his work? That is, is it a group policy? If so, and you and he get married, federal law mandates that they cover your pregnancy, even though you are already pregnant. Here is a quote from insure.com: "Federal law bars group health insurance plans that cover maternity from considering pregnancy a pre-existing condition. This means that if you change group health plans while you're pregnant, your new group health insurer (as long as it covers maternity) can't deny claims related to your pregnancy." And here is the link: [removed] Hope that helps and good luck!

number game

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Joined: 04 Jun 2007
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Location: Charlotte, NC,

Posted: 06-06-07 05:52am

strvnwritr wrote:

Hi Rachel,

Quick question. Is your fiance's insurance through his work? That is, is it a group policy? If so, and you and he get married, federal law mandates that they cover your pregnancy, even though you are already pregnant. Here is a quote from insure.com:

"Federal law bars group health insurance plans that cover maternity from considering pregnancy a pre-existing condition. This means that if you change group health plans while you're pregnant, your new group health insurer (as long as it covers maternity) can't deny claims related to your pregnancy."

And here is the link: [removed]

Hope that helps and good luck!

Hey thanks for the info!!! I'm gonna check into that. I don't have group covarage, mines an individual plan! But he has group covrage. Do you think it'll make a diffrence? Well if you don't know that's okay Im gonna check out this site anyways. Thanks again

strvnwritr

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Location: Memphis, TN

Posted: 06-06-07 08:15am


If your fiance has group coverage, then it seems to me that if you get married, you will be covered. Assuming, of course, that you can be enrolled immediately after you get married. If so, it may be time to plan a quick wedding!

Bridget

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Posted: 06-06-07 08:27am

strvnwritr wrote:

If your fiance has group coverage, then it seems to me that if you get married, you will be covered. Assuming, of course, that you can be enrolled immediately after you get married.

If so, it may be time to plan a quick wedding! Smile

and some places only have certain dates when you can add people to your coverage. you should definitely have him look into this and see when he'd be able to add you (if you decide to go with this plan).

if i didn't have insurance i would've had to pay over $25,000 in hospital and doctor bills (i had a c-section).

strvnwritr

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Joined: 05 Jun 2007
Posts: 14
Location: Memphis, TN

Posted: 06-06-07 09:49am


Hopefully, they will allow you to enroll immediately because you just got married instead of making you wait until the open enrollment period. I did not have a C-section and I still would have had to have paid $16,000 for prenatal care and the birth of my son. Even with good insurance, we still had to pay $1,600. I guess it's not cheap any way you look at it.

mamaTT

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Posted: 06-06-07 10:15am


Wow. I feel really blessed. With my insurance through work, my maternity coverage is 100%. I don't even have co-pays for my doctor's appointments!!!! My husband's insurance is my secondary, but I haven't needed it for anything but my prescriptions. His coverage is better than mine when it comes to that. So I use his for prescriptions and mine for everything else.

babyAndy

Experienced User , Rather EHEALTHy

Joined: 12 May 2007
Posts: 347

Posted: 06-06-07 10:19am


Wow you still had to pay money with Insurance?? I'm so clueless over here, and obviously extremely lucky. We dont have to drop a penny for anything medical here specially having a baby. What about maternity leave, do you get one year of mat leave paid basically by govt??