How Can Anybody Afford It?

iVillage Member
Registered: 04-06-2006
How Can Anybody Afford It?
11
Fri, 06-18-2010 - 9:24am

OK, here's what I'd like to know: What EXACTLY do uninsured pregnant American women do for healthcare? I'm guessing, NOTHING.


As some of you know, I'm a US citizen but also a permanent resident of Italy since 1995. I'm preg. with my 4th child and my other 3 were all born here in Italy. Well, since I'm coming to the US for a summer visit (for 5 weeks), I planned on getting

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iVillage Member
Registered: 10-20-2009
Fri, 06-18-2010 - 12:56pm

Welcome "home".

Susan L.



Robert Edward Xavier Lin - Born July 31, 2010 at 5:56AM, 6 pounds 4 ounces and 19 inches long. He spent 2 weeks in the NICU but he's doing great now!
iVillage Member
Registered: 03-31-2007
Fri, 06-18-2010 - 10:16pm
I know that there is a free clinic at our hospital where uninsured women can be seen by the OB, do you know if there is a clinic where you will be visiting?

Carol, mom to 6PhotobucketPhotobucket

Carol, mom to 7

iVillage Member
Registered: 03-05-2008
Sun, 06-20-2010 - 10:13pm
Hi Molly. I just had to chime in here... I'm a U.S. citizen who's been living in Canada for the past 7+ years as a Permanent Resident. Here in Ontario, the government pays for all basic healthcare -- my in-laws are from Calabria (as you already know) and the system here is vaguely similar to the one in Calabria.
While living in the U.S., I always worked and always had very good health insurance. I and my employers paid for it via payroll deduction and I always had a co-pay for doctor's visits as well as for prescriptions. I always thought it was awesome and couldn't understand how anyone could want or expect more. Until I moved here, that is... It took about a year for me to adjust to the way the system works here, but having had to not pay one penny for the birth of any of my children (except for TV and any meals or snacks I wanted outside of the hospital-provided food) or any of our family's routine or necessary doctors' visits I couldn't imagine not having OHIP (Ontario Health Insurance Plan). We hope to one day move back to the States, but before we do, we'll make darn sure we have excellent health insurance, for sure!
Photobucket


Photobucket

iVillage Member
Registered: 06-20-2010
Sun, 06-20-2010 - 11:10pm

Hi Molly,


The care in the U.S. is very expensive.

iVillage Member
Registered: 04-06-2006
Mon, 06-21-2010 - 2:07am

Thanks everyone for your responses. As for a free clinic, I don't know if there's one in the area where I'll be, but probably if I investigated I could find one in the nearest major city. Anyway, I have spoken to my doctor here, and she says I can arrange to get everything taken care of before leaving and/or after coming back. I will only be gone for 5 weeks anyway....


P.S. Joan you need to add a picture of your boy to your signature!!


Molly

iVillage Member
Registered: 10-23-2008
Mon, 06-21-2010 - 8:09am

Most states in the USA have an uninsured maternity plan for pregnant women, based on their income, or based on that they have no insurance.


Even when I otherwise had no insurance, we had insurance for pregnancy and children under 5. It's easy to come by, quite frankly, just applying at the local health department in my case.


Now we've had private insurance for some 10 years, but that's what I remember, and I see notices up at our local dental clinic looking for women and children who have no insurance.

Andy, Gerard, Sarah, Merina and Emma call me Mama,


but you can call me


iVillage Member
Registered: 10-23-2008
Mon, 06-21-2010 - 8:13am

If you are truly indigent you can get some care through government assistance but it's not much.

Andy, Gerard, Sarah, Merina and Emma call me Mama,


but you can call me


iVillage Member
Registered: 10-23-2008
Mon, 06-21-2010 - 8:22am

If a family is low income - they apply here: (all states have this program in some variety.)


http://www.health.state.ny.us/health_care/medicaid/#income


If one's income is too high for medicaid, there are exceptions for pregnant women, children, disabled persons and others.


Pregnant women, children, disabled persons, and others may be eligible for Medicaid if their income is above these levels and they have medical bills. Ask your Medicaid worker if you fit into one of these groups.


Individuals who are certified blind, certified disabled, or age 65 or older who have more resources may also be eligible. Ask your Medicaid worker if this applies to you.


If an adult has too much income and/or resources and is not eligible for Medicaid, that person may be eligible for:



Expanded Income levels for Children and Pregnant Women

  • Infants to age one and pregnant women - 200% of the federal poverty level.

  • Children age 1 through 5 years - 133% of the federal poverty level.

  • Children age 6 through 18 years - 100% of the federal poverty level.



Monthly Income Effective January 1, 2009*


Number in Family
100% FPL**
133% FPL**
200% FPL**


1
$903
$1,201
$1,805

2
$1,215
$1,615
$2,429

3
$1,526
$2,030
$3,052

4
$1,838
$2,444
$3,675

5
$2,150
$2,859
$4,299

6
$2,461
$3,273
$4,922

7
$2,773
$3,688
$5,545

8
$3,085
$4,102
$6,169

Fo

Yes, some people can. Pregnant women, children, disabled persons, and others may be eligible for Medicaid if their income is above these levels and they have medical bills. Ask your Medicaid worker if you fit into one of these groups.


Individuals who are certified blind, certified disabled, or age 65 or older who have more resources may also be eligible. Ask your Medicaid worker if this applies to you.


If an adult has too much income and/or resources and is not eligible for Medicaid, that person may be eligible for:



Expanded Income levels for Children and Pregnant Women

  • Infants to age one and pregnant women - 200% of the federal poverty level.

  • Children age 1 through 5 years - 133% of the federal poverty level.

  • Children age 6 through 18 years - 100% of the federal poverty level.


Monthly Income Effective January 1, 2009*


Number in Family
100% FPL**
133% FPL**
200% FPL**


1
$903
$1,201
$1,805

2
$1,215
$1,615
$2,429

3
$1,526
$2,030
$3,052

4
$1,838
$2,444
$3,675

5
$2,150
$2,859
$4,299

6
$2,461
$3,273
$4,922

7
$2,773
$3,688
$5,545

8
$3,085
$4,102
$6,169

For each additional person, add:
+$312
+$415
+$624

* Income Levels are subject to yearly adjustments.


** FPL = Federal Poverty Level


If a child has too much income and is not eligible for Medicaid, the child may be eligible for Child Health Plus.r each additional person, add:


+$312
+$415
+$624

* Income Levels are subject to yearly adjustments.


** FPL = Federal Poverty Level


If a child has too much income and is not eligible for Medicaid, the child may be eligible for Child Health Plus.

Andy, Gerard, Sarah, Merina and Emma call me Mama,


but you can call me


KelliSue


Laugh a little - www.kellikolz.blogspot.com

pregnancy

Andy, Gerard, Sarah, Merina and Emma call me Mama,


but you can call me


iVillage Member
Registered: 05-07-2008
Wed, 06-23-2010 - 1:15pm

There is no way you cannot get free or reduced health care for pregnancy in this country.

Lilypie Pregnancy tickers
iVillage Member
Registered: 01-23-2010
Thu, 07-01-2010 - 4:48am

Hi Molly -


I am right there with you in all of this. I *HATE* how the U.S. insurance system is set up!


I have health insurance but it excludes maternity. Grr. We are one of those middle class families that makes money over the income limit set for Medicaid. We aren't rich by any means...just comfortable. Grr. I am applying for something called Medicaid 'Share of Costs' which sets a monthly spending cap for maternity costs. If a monthly bill for all services goes over for example $2000 in a month, then Medicaid will pick up the charges from the day we hit $2000 for that month. I am on my own to pay for all tests, doctor's fees, ultrasound charges until the day I go in for my C-section. It basically means the birth costs will be covered, if we are allowed into the program. Luckily my due date is 03/05 so we will quickly go over whatever limit they determine we need to pick up in short order and the rest of March 2011 will be covered.

This is what I have so far:

Doctor's Fees: $3623
Doctor's Lab Fees: $380
Level II U/S with Amnio: $1486.50
Amnio Lab Fees: $220
Anesthesiologist: Haven't called yet...guessing $1000
Pediatrician to check out the baby post birth: Haven't called yet...guessing $250
Hospital Room & Board and use of operating room: $6500

I am just starting to add up the numbers and it is $13,459.50 so far. If the birth is covered then we are only on the hook for $7000. What a 'bargain'.

It just sucks that the insurance companies
can choose to not put in maternity because it protects their profits and bottom line. I have paid my premiums faithfully and try to keep myself healthy. And when I need to use insurance every once in a while, it leaves me in the cold. Has anyone else used the 'Share of Costs' program in the past? What was your monthly out of pocket limit set at? Did they issue you a card when you were approved?

Renee
EDD 03/05/2011

baby development

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