Hello and welcome to the board!
I totally relate to your fears of bills/money/taking time off work. I am 26, my DH is 27, and even though
Thank you for your input.
Welcome to the board! I too, like so many of us on here, struggle with financials. Our insurance has a $2000 deductible, and then we have to pay a 30% co-insurance on top of that with another $2000 cap. So provided I get PG at the end of/beginning of a year, we'd have to shell out $4000 out of pocket. So we are at least waiting till the end of the year, but most likely the Spring when I graduate from my Master's program and can get a job working for the state or county with great health insurance!
One thing to keep in mind: (because we shopped around for private insurance b/c DH's leaves much to be desired) many private health insurance plans require you to purchase a maternity rider to have those services covered, so that would be added onto your premium. Then, they require you to wait anywhere from 60 days to 9 months to get pregnant. If you get pregnant during the waiting period, NOTHING is covered! If you do wait and are covered, many of these plans still have deductibles and coinsurance!!! So just look out for that if you're shopping around. I would definitely talk with your employer as a PPer suggested, to see if you can add a rider onto the insurance you already have. It could all equal out cost-wise by the time all is said and done, but the health insurance is good for the peace of mind should complications arise. Three days in the NICU could blow all your savings out of the water!
DH and I are in a situation where we have degrees, a house, and a moderate enough income to make things work. I can fit my life around a baby, because I want it so bad...but at the same time being able to recognize when there are concrete financial issues (like insurance)
hi and welcome to our board! you will love all the ladies here. im dee and we will be ttcing in september for baby #2. i know exactly how you feel about the money thing. sometimes i think about medical expenses (i have great insurance and even with that it was alot more than i expected when i was pg with my first), and it makes me balk a little. but then i remember how my ds was not really planned (we had stopped preventing but werent actively trying) so we didnt have any money saved or had a clue what was to happen, and we made out just great. everything always works out in the end. so i tell people what my MIL told me when i found out i was pg with ds, "if everyone waited till they had the money to have kids, no one would have any children"! ;)
Dee (23), happily married to Jason (28), and mommy to Aiden (10 months)