In a tough spot: My pregnancy is a pre existing condition
On Oct. 11, 2008, I was laid off. On Oct. 13, 2008, I found I was pregnant. No, I wasn't trying. I didn't have health insurance at that moment. I had recently switched birth control (from the shot to the pill) I guess the pill doesn't work too well for me. ANYWAY- I'm married. My husband is considered an "independent contractor" with his job as a locksmith. He gets paid by the job and pays his taxes at the end of the year. He makes at least $3500 a month. I'm receiving unemployment of $339 a week and I currently pay $126 a month for an individual health insurance policy. My insurance company isn't paying for anything related to the pregnancy. I was pregnant when the coverage of this policy began. That is why my pregnancy is being considered a pre existing condition. Yes, since this pregnancy wasn't planned out that's when I applied for health insurance thinking that would help. Oh, and I didn't have coverage within 63 days before this individual plan took affect. I'm aware that if a pregnant woman switches jobs and insurance that her pregnancy cannot be considered a pre existing condition. I've been on unemployment since Nov. 08 and I know I'm nearing the end of my benefits. But, I was told by the Idaho Dept. Of Labor that when that chunk of benefits runs out, I'm eligible to receive around 20 more weeks. I went to the dept. of health and welfare and after quickly flipping through my application, this lady told me we make too much. She said for a household of 3 (the unborn is counted) that the maximum income allowed for Medicaid recipients is around $1900. Is my unemployment benefits considered income? Anyone else here in the same boat? Anyone know of anything I can do to "soften" the blow that will be my hospital bill when my baby is born? P.S. I'm 30 weeks pregnant.