Pregnancy and childbirth are daunting enough without considering just how much they cost. The idea that you might be without health insurance during this time is terrifying, and for many, the truth of their lives. What happens if you lose your insurance while pregnant? Is there a way to get interim coverage, or are you honestly just looking at a mountain of debt?
Disclaimer: if the American Health Care Act (ACHA), also known as “TrumpCare,” passes, this will all change. In its current state, the ACHA does not cover maternity as a preexisting condition, nor does it cover birth control, or postpartum care. It also eliminates federal subsidies to non-profits like Planned Parenthood and other low-cost clinics that might also provide abortion services. Medicaid is also set to be severely slashed, taking millions of people out of eligibility. Something to keep in mind.
There are so many reasons mothers may lose health coverage while they’re pregnant. They might be dependent upon their spouse’s job for insurance, and their SO may lose that job or need to leave. They might not have re-joined the insurance pool during the enrollment period and then find themselves pregnant, they might be downsized, and even though it’s illegal, CNN Money noted that women still get fired just for being pregnant more often than you’d like. It’s all a part of the motherhood penalty that women pay purely for having a female reproductive system.
If you find yourself in this situation, you can either join the COBRA plan, which allows you to maintain that insurance for up to 36 months after leaving that job, but at a much higher rate, according to the U.S. Department of Labor, or you’ll need do do what the maze that is Healthcare.gov advised in this situation. The law outlined stated that regardless of whether or not you plan on entering the healthcare marketplace, you’re going to…
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