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My husband and I just found out that we are pregnant. None of our companies offer insurance and there are no individual plans to cover maternity. I do not think we qualify for MediCAD, because we are also. Over 70 per year together. A friend told me that u can still qualify for MediCAD, but that’s a different level, and low income. I called my doctor and the hospital, and if we pay the right, we are looking at about 11,000! That is, if everything goes well for me or the baby. Help! I can not be the only married woman who is pregnant without insurance! FYI, I live in Texas.

7 Thoughts on Pregnant without insurance, what are my options?
  1. Reply
    mommy of 2
    April 11, 2013 at 9:33 pm

    U can visit or call a few clinics, an abgyn clinic that I worked for was about 4000 for all ur visits n hospital stay.. U set up a payment plan, but it would have to b payed off before delivery.. Figure what hospital u would like to deliver then get information af all d doctors that deliver their.. N call for a price.

  2. Reply
    ibu guru
    April 11, 2013 at 10:32 pm

    With your high income, you do not qualify for any sort of assistance whatsoever. You should have quite a bit saved up, considering your high income and standard budgeting practices. Actually, the average prenatal + delivery runs about $ 30,000 if there are no complications. If you didn’t save enough, and failed to take proper precautions, and failed to obtain private medical insurance with maternity coverage, then you simply have to bite the bullet and pay your bills.

    Start an intensive saving program. Clean out your house and sell things you do not absolutely need and cannot afford. Pay off all your debts to eliminate interest charges and prepare to pay these medical bills. Plus pay for everything that baby is going to need.

  3. Reply
    April 11, 2013 at 11:25 pm

    well u could do what me and my wife done we didnt have insurance either and our hospital bill was 13000 and all we did was sign up for medicaid bcuz we thought what do we have to loose we qualified and they paid half bcuz of my income but still we got a discount pretty much then we went to the hospital and signed up for h.i.p idk what they call it down there but its where the hospital pays for it if its less than 5000 well medicaid paid for most of it they paid 8000 and the hospital paid the rest take your chances you will never know what would happen

  4. Reply
    Let me steer you
    April 11, 2013 at 11:40 pm

    You need to determine if you qualify for medicaid coverage since you have no insurance.

    In Texas, Medicaid covers ALL necessary expenses, including one or two routine ultrasounds (not sure exactly how many, but if a doctor deems another one necessary due to high-risk circumstances, it will be covered as well) . There is no co-payment or percentage… walk in, you walk out. The baby is covered up to one month of age, at which time you can apply for CHIP to cover the child.

    Check here to see if you qualify:

  5. Reply
    April 12, 2013 at 12:33 am

    If something goes wrong you should be covered. Otherwise there aren’t many options in your state…even if you weren’t already pregnant.

  6. Reply
    April 12, 2013 at 12:59 am

    Once you’re already pregnant, you won’t find any insurance company to offer you ANY private insurance.

    Your ONLY choices, are:

    1. Apply for Medicaid anyway, although I agree, with a $ 70K income, you’re probably going to get turned down. If you have no other children, in TX, in Texas, your annual household income has to be under $ 27,000
    2. Pay for your birth yourself! Heck, $ 70K, that’s almost DOUBLE the average national household income.
    3. One of you would find a different job, with health insurance with maternity.

    Oh, and there IS one insurance company that offers maternity in Texas . . . but you have to buy the policy at least three months before you get pregnant, AND, it has a $ 5,000 deductible.

    You can negotiate that birth cost, and look at your birthing options. West Houston Hospital here in Houston, is $ 7200 for full prenatal and delivery – no meds. Of course, most hospitals have a 40% c-section rate. You can go to a birthing center, for about $ 4,000 and full prenatal care, with about an 8% C section rate. Or you can do a home birth, with a midwife and full prenatal care, for about $ 3,000, and about that same 8% c section rate.

    These days, many, many women plan, budget, and self pay for their births.

  7. Reply
    April 12, 2013 at 1:01 am

    Well, you may not be the only married women who is pregnant without insurance, but most of the other couples without insurance do not make $ 70,000 per year.

    Your options are
    a) You pay the $ 11,000, or whatever the bills turns out to be, yourself, or
    b) You get an abortion (and pay for that, yourself), or
    c) You move to another country, or
    d) You or your husband gets a job at another company that does offer insurance.

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