WW SAHP do? Q

[penguin129]

DH and I were/are planning to start to TFAS in September. There is a slight snafu. We can't afford to add me onto DH's insurance at his new job because it is too expensive. I'll be signing up for insurance in November when the Marketplace opens again, but it won't be active until January 1st. I listed out each month and when a first appointment might be if we get pregnant each month (since most doctors wait until you are 8 weeks pregnant before seeing you). If we get pregnant in the 1st or 2nd cycle I would have 1 or 2 appointments before insurance kicks in come January. If we get pregnant the 3rd cycle on I'll have insurance by the time my first appointment would happen. I've been thinking about this for a while and am just not sure what to do. DH says we should just stick with September. 

My question is... Would you put off TTC until the cycle where you would definitely be covered by insurance? Or would you try starting in Sept because there is no guarantee you will get pregnant within the first 2 cycles? 

[cam]

Can you not sign up through the marketplace sooner due to a "life changing event?" I don't know how it works since you are eligible through your H's employer though. I would ask an insurance agent if you haven't already. Good luck. Based on my personal TTC/pregnancy experience, I would wait to try until I had coverage if I couldn't afford the potential appointment or two without coverage, but every person is different, then every pregnancy for a given person can be really different, so you just never know how things will go, and I can't possibly begin to recommend one way or the other for you.

[penguin129]

Thanks for your thoughts cam. I didn't have insurance through DH's old employer so I don't think I would qualify for the "life changing event" since I didn't lose coverage. I just didn't have it.

[gnomesweetgnome]

I would wait. If you got pregnant and had some sort of a complication before your appointment (ectopic, for instance) or before you insurance kicked in it could be costly. A few months isn't long in the grand scheme of things.

[3timemom]

Is probably wait also until I knew for sure I would coverage at that very first appointment.

[penguin129]

Thank you all for your responses. We talked about it more and decided to push back TFAS until at least November. We were hoping for a summer baby, but there was only a small chance of that happening anyway.

[hlm184]

Sorry to hear that. It's so hard to wait even though you know it is the right thing. *hugs*!

[penguin129]

Jun 29, 2015 13:54:48 GMT -5 hlm184 said:

Sorry to hear that. It's so hard to wait even though you know it is the right thing. *hugs*!

Thanks. 

[prmommy]

Hello I am just lurking since i am currently unemployed due to a layoff. Before you turn down your DH's insurance make sure to price the market place first. We are not eligible for any tax breaks due to income level and for us to have decent insurance, i define that by not having a 12K deductible for family plan i am paying 600 plus a month for, we would pay almost as much as cobra for my current plan. For something with a great deductible we would pay almost double the cobra price for our current plan. The market place is not affordable unless you meet the income requirements or want really bad insurance. i have health issues so we need a half way decent deductable at least silver level coverage

[penguin129]

Thank you for your input prmommy. The coverage I would get through DH's employer is $800/ month for the lowest priced plan. That is really high for us. I've been getting quotes through the marketplace for less than that for silver coverage. His insurance is going to be about $40/month for just him which is wonderful for him.

[prmommy]

Jun 29, 2015 17:24:11 GMT -5 penguin129 said:

Thank you for your input prmommy. The coverage I would get through DH's employer is $800/ month for the lowest priced plan. That is really high for us. I've been getting quotes through the marketplace for less than that for silver coverage. His insurance is going to be about $40/month for just him which is wonderful for him.

wow that is really high i am guessing they don't help with the additional dependents cost.  Mine was not that high for family coverage and my cobra coverage is not much more than that.  Good Luck.  

[penguin129]

prmommy They contribute $500 toward DH's insurance, but I am pretty sure they don't contribute anything to spouse and dependent coverage. I am happy DD is covered through FL Kidcare.