I don't know what to do.

iVillage Member
Registered: 10-27-2011
I don't know what to do.
3
Sat, 01-28-2012 - 12:11pm

So, if you pay attention to this sort of thing then you'll know that Hostess Brands filed for bankruptcy in early January. The company that makes Twinkies, Ding Dongs, and Mini Muffins is not fiscally profitable. They also make Wonderbread.

Well, my husband works for them. He's responsible for the machines that produce Mini-muffins. If you like Mini-Muffins then my husband is who keeps the supply going.

Anyway, my husband is a member of the union and the concession proposal came out this morning. The company wants an extra $60 per week for insurance AND wants to implement a drastic reduction in benefits. They're increasing copays and deductibles. The most upsetting to me is the change in maternity coverage. Basically, in addition to a $25 initial copay, I will have to pay between $15-$20 for ever prenatal visit. If you know that pregnancy is billed globally, then you know that it will be billed to insurance after delivery.

With our current coverage, I don't need to pay a part of every prenatal visit. However, the hearing regarding the concessions is Feb 28. If the bankruptcy court approves the proposal, then it will likely go in force quickly. SO, under my current coverage, everything is paid. If they switch before my little girl is born, I will owe for every prenatal visit and I've been seeing my doctor every other week since September. In addition, we're starting TWICE weekly visits next week. I will end up owing for over 20 prenatal visits if coverage changes between now and my baby's birth.

I wasn't exactly worried because we qualify for pregnancy Medicaid so I can get on that as a secondary and won't need to pay that crap. HOWEVER, another part of this stupid proposal says that if an employee's spouse or children are covered by another insurance or program, then the premium for family coverage will increase by a minimum of $900/year plus a surcharge for every member covered. Our total per year will be $1200, add that to the $240/month they are asking for insurance premiums and we won't survive. I can put myself and my kids on Medicaid and drop my husband's insurance because Medicaid will pay for everything BUT my Medicaid will be for pregnancy ONLY. 3 months after my baby is born, I'll be without insurance.

I don't know what to do. I'm stressing out and I know that's bad. My husband is going to shop around for another job so he can switch after the baby is born but for the time being it's not looking good for insurance coverage. I will need to stay on anticoagulants after she is born and that's $1000 per month.

In addition, the union is voting to strike and if that happens, I'll be without coverage. Normally, it wouldn't be that big of a deal but the timing of all this crap makes it such a disaster.

I normally don't worry, but I'm really scared right now. I just don't know what is going to happen.

CafeMom Tickers
Community Leader
Registered: 01-22-2010
Sat, 01-28-2012 - 2:27pm

I'm so sorry you've got this stress right now, sounds like any option is gonna cost a ton. I hope you work out a solution soon so you can relax a bit *hugs*

Lilypie Angel and Memorial tickers

 Baby Birthday Ticker Ticker

iVillage Member
Registered: 12-06-2006
Sat, 01-28-2012 - 7:37pm
Ugh, sorry you have all this stress! It sounds like what would be cheapest & simplest is to put you & the kids on medicaid and get the free 100% coverage. Your's may end 3 months after baby is born BUT birth is a life event and you would be entitled to re-enroll in your DH's insurance at that time then IF he's even still working there. Private insurance or a personal HSA could be an option too.

I ALWAYS apply for medicaid for pregnancy because with Dh's insurance we would owe $5,000 for the deductible where medicaid is absolutely free. We pay work & pay taxes, I don't feel the least bit bad about getting this as a benefit of it.
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iVillage Member
Registered: 03-25-2010
Sun, 01-29-2012 - 10:30am

Yikes! Sorry you have this extra stress right now. I hope you are able to find a good solution soon. ((HUGS)). I think Angie has a good point about being able to re-enroll after baby is born. That sounds good. Also, you might want to check out getting insurance privately (not through work). We did that for a few years and actually had a pretty good deal. DH still does that for his health insurance. Feel free to PM me.

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