So Upset.......(m)

Maddie&EthansMom wrote: I don't know whether to be upset or angry...I guess I am some of both. Everything seems so hopeless and I was so sure it would all work out. All I can do is bawl my eyes out. I just don't think the insurance thing is going to work out at DH's job and I don't know what we are going to do. I just want to crawl in a hole somewhere. There is no way we can afford the u/s in a couple of weeks and I don't know how we will get the doctor paid by the end of December. I am so stressed about it and I wish DH would have been honest and talked to me about it a long time ago so we could have worked something out. Instead, he gets angry with me every time I bring it up. I just need to know something. If he wouldn't have left me hanging I could have figured out what to do a long time ago. What are we going to do now???? I am so upset I could just scream!!!!!! I just feel so trapped and hopeless. I hate it.

DansMom replied: Wow, that really is terrible news. It's such a lot of money to have to come up with or go so deeply in debt. Sometimes hospitals can reduce your charges if you are unable to pay, but you have to do a lot of negotiating. Would you qualify for Medicaid, or is that a route you don't want to try? I hope you can find a way out of this crisis. I'm so sorry you are going through this.

A&A'smommy replied: im so sorry!!! I know its hard and that it doesnt seem like its going to work out but it will everything happens for a reason and will will all be okay!! Im sorry your dh didnt talk to you about this before but he probably just didnt want to upset you! ((((((((BIG HUGS))))))))) btw im on medicade and if dont think you can afford all this right now they will go back and pay all your doctors visits they really are wonderful and you dont have to stay on it forever!

chloe&tysmommy replied: aww thats aweful <<<Hugs>>> hope things will work out for the better very soon

CantWait replied: that's awful, I hope things work out for you guys soon. HUGS

Kirstenmumof3 replied: I'm so sorry! I wish there was something I could say to make everything all right! I'm keeping you in my prayers and hoping that things will work out for you!

Heather replied: Look into Medicare. Most definitely. You pay taxes, get some benefit from that. I hope you can get this resolved, having a baby is so much money, as you know. I am hoping hoping hoping something good comes your way

Mommieto2Girls replied: I am so sorry about the insurance. I would definatly go to medicade. I had it while preggo with Maddie. It was a life saver. I don't know what I would have done without it. It will work out in the end. Good luck.

MommyToAshley replied: <<<HUGS>>>

I know what you are going through. Hopefully, you can get some kind of assistance... it doesn't hurt to apply!

We had to pay for Ashley. Being self-employed, we did not have maternity insurance either. Most hospitals, docs and labs will work with you. If you tell them upfront that you are self-pay then they will take as much as 20% off the bill. Our hospital also had a program that you can pay for the hospital stay in advance and the cost was cut in half. If that isn't possible, a lot of hospitals have payment plans that are interest free.

However if you can get medicade, then I would definitely recommend it. (Hospitals and docs aren't cheap as you already know) So, I recommend that you go apply now. But don't stress, because if you do not qualify, the hospital will work with you... they just want to get paid and will work out something that is affordable for you. I would recommend going to talk to them as soon as possible.

Try not to stress over this... it will work out. You will see!

Maddie&EthansMom replied: Ironically DH makes too much money to qualify for state or gov't assistance. I have learned that there is nothing out there for the middle class or those who are barely scraping by. A year ago I never would have thought any of this would happen to us, but everything has taken such a turn in the car business. It seems as though everyone around us is struggling these days. It really is depressing.

I have contacted the hospital and the doctor. They know our situation. The doctor wants to be paid by the end of my seventh month if we don't come up with insurance. DH is hanging on to a thread thinking the insurance will come through. Even if it is effective by Feb. 1 it will cover the doctor and hospital.

I am being totally selfish in wanting the insurance now so I can have the darn sonogram. I had my heart set on it and I am disappointed that it isn't going to work out. I will be fine, though. Life does go on (even through our disappointments). LOL! Now, I am more concerned about having insurance in case something happens to me or the baby. If I can just get DH to realize that we aren't always in control of every situation. God forbid something terrible happen.

mckayleesmom replied: How much does the sonagram cost?

Maddie&EthansMom replied: It's close to $1000! I could get my doc to do one for $200 or I could pay $200 and go to that Fetal Photo place that does the 3D and 4D u/s. They will have you come back if they can't tell the gender that day (no charge). If my doctor doesn't do one no charge, we probably won't worry with it. I had rather spend that money on the baby room or something for the baby. KWIM?

I'm just being really silly.