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How do I get around a pre-existing condition waiting period if my wife is 8 months pregnant and needs coverage now?

How do I get around a pre-existing condition waiting period if my wife is 8 months pregnant and needs coverage now? I'm only 2 months into a 90 day waiting period to receive my employer's health insurance but I'm afraid I'm still gonna get stuck with a 10 to 20k hospital bill.

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If you had coverage from another company just prior to getting this job, you might have a chance, if you can show proof (there is some sort of form you can get from your previous insurance), otherwise, there isn't anyway around the waiting period. You can just hope that your 90 days is up before she goes into labor.

Depending on how much money you make, she might qualify for medicaid. You would need to check with social services, to apply.

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Sephiras right.

You should have already had this worked out. Let's face it..... You did have 8 MONTHS !!!!! Your best bet if you can't get Medicaid is to start calling county hospitals and see who will get you the best price. It takes time so you better get moving on it !!!

With that said.... Let's get something clear on the whole insurance thing. They're in business to make money. Not just to pay out money when ever you need them. They make their money off people like me who almost never go to the doctor, or get tickets, and things like that. It does suck not having health insurance. I lost mine for the first time a while back due to this wonderful "recovery " we are in. So I'm rolling the dice too.

Good luck and congrats on the kid.
Boy or girl? First one?

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If by get around, you mean insurance fraud! Forget it! We don't know how & wouldn't help you anyway! If not, call your county hospitals, that's what they're for! Everyones right, you've had 8 months to work this out! Should've done it! You might get "stuck" (heck of a way to put it) with the bill but you oughta be grateful to have your wife & baby alive & well!!

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The same thing happened to my husband and me. He had to change jobs bc otherwise he would have been laid off. His boss was nice enough to give him a heads up. So don't listen to these other people saying that u had 8 months to figure it out. Unless they have been in your shoes, then they have no reason for negative comments that aren't helping answer your question.

Anyway I was pregnant and then our daughter broke her arm in 5 diff places and had to have emergency surgery. Everyone turned us away except one Dr. He tried helping us get emergency Medicaid. Well, we didn't qualify. But he did get us in and we just paid him in payments. As for me, I couldn't find an OBGYN in our area that would even see me unless I had insurance. My husbands insurance finally kicked in and I went to the Dr. To our surprise I was already 29 weeks pregnant!! Our son was born January 6. He died February 26 from SIDS. I had very low weight gain, I was severely anemic, and didn't have proper prenatal care.
My advice to u is if u can afford it and just don't want to pay, then suck it up, but if u really can't afford it then find every way possible to get your wife and unborn child the proper medical care that they deserve, even if that means trying to get Medicaid for a few months and do whatever it takes to try and do that. It's not worth risking their lives

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