Mothers of Intention — Uninsured and Pregnant, by Casey of Moosh in Indy

I haven’t had any guest posts written specifically for Mothers of Intention for a while.  But when my friend Casey (you may know her better as Moosh in Indy) told me about her current insurance situation, I asked her if she would become a Mother of Intention for me.  About two seconds later I had her response.

I really want the anti-health care reform people in the blogosphere and in Congress to read this — the ones who don’t believe there’s any excuse for not having health insurance.  The ones who think they’re all ‘conservatives don’t need help from anyone.’  Because I pray you never find yourself in the situation Casey and her family is in now.  But I’d be willing to bet money that the anti-health care reform people at least know someone who has a story similar to Casey’s — it’s just not politically expedient to admit it.

And Casey — thank you, my super-kind and gentle friend for writing this about your pregnancy and lack of health insurance.

I am one of the estimated 40 million American citizens without any form of health insurance.

Of course, that is one organization’s estimation. There are other estimates that don’t count the number of people who are uninsured yet qualify for government programs or people who make over $50,000 who choose not to purchase private health insurance. When you subtract these people the number ends up around eight million.

Why am I uninsured? Several reasons, the first being that my husband’s job does not offer any benefits aside from a salary. The reason we do not have private insurance is because we simply cannot afford it and we’re not sickly enough to justify the expense. The last reason we do not have health coverage is because we do not qualify for any government programs — we utilized them while he was in school; however, we lost coverage as soon as he graduated and began working. Up until now we have used a clinic that offers a flat cash fee for services and we’ve only had to use it once. There is comfort in the fact that we would not be denied care if we needed it, but at the same time there is a sting in the fact that we would be paying so much more money than someone who had insurance. It’s a very shady business this health insurance stuff.

However, in August I found out that I am pregnant after years of infertility and being told it simply wouldn’t happen again. My first thoughts were not ones of joy — they were ones of sheer panic. I was not insured. I nearly died from a condition known as Hyperemesis (severe nausea and vomiting) with my first pregnancy and just last year I watched a friend lose her house because she was uninsured and pregnant, as well. I began calling every insurance company and state resource I could find. The responses I received ranged from “Well, we’d be happy to cover you when you’re not pregnant anymore” to “You realize if you would have had insurance all along this wouldn’t be a problem right?” I began to look into free and low cost clinics with sliding fee scales, one administrator actually laughed at me when in response to, “What does your husband do?” when I answered, “He’s an attorney.

Yes. My husband is an attorney. A profession that many of America still sees as one that brings in six-figure salaries, full benefit packages and black luxury cars. The truth is that my husband’s gross income after we make our monthly student loan repayments is actually below federal poverty level.  But we make it work. We drive twelve-year-old cars held together by duct tape and we don’t have fancy smart phones or even a land line. Our grocery budget is meager and our washer and dryer barely work. But we make sacrifices that allow me to stay home with our daughter, something that is more important to both of us than iPhones, vacations or new cars. I am a freelance photographer and am blessed to be able to contribute a small amount to our family’s income.

But back to the insurance. I have options. I have exhausted every resource I can find and drained anyone I know of information. A nurse in Indianapolis found a midwife who is willing to cover all prenatal care for a flat fee of $3,000 and a hospital that is also willing to take a flat fee of $3,000 for a completely normal no frills delivery. This is fantastic, assuming nothing goes wrong. Another option is to re-enroll in school allowing me to join a student group insurance plan where pregnancy is not considered a pre-existing condition.  My last option, short of plunking down a Visa card at the OB office, is the Federal Pre-Existing Insurance Plan. Started in July, this insurance plan is supposed to cover people exactly like me until pre-existing conditions are considered non-existent by insurance companies, which won’t be for several more years. I applied within a half hour of hearing about it and was denied because I had been uninsured for the last year. I actually had to go through the entire process of applying for private insurance, simply to be denied so I could reapply for the Federal Pre-Existing condition program. Silly, but I’ve jumped through bigger (and sometimes stupider) hoops. I’m still waiting to find out if I will qualify or not.

At the end of this, I will hopefully end up with a happy, healthy baby just as I did with my first pregnancy. But I have been very sick and while there are medications that can help (I’m looking at you Zofran) they (and even their generic versions) are outrageously expensive (However, there is no shortage of people willing to commit federal offenses to get me their Zofran. I have politely declined all offers.) There have been days where I could have felt a lot better had I been able to receive an IV, something I did weekly during my first pregnancy but it’s just not an option at the moment. It would be a huge relief to me if something could just work out, which I know it will, I just don’t know when.

This is how it should be — you get pregnant, you go to the doctor, you have the baby, you come home. A pregnant woman’s biggest worries should be, “Can I keep this horse sized prenatal vitamin down?” or “Where’s the closest bathroom?” not “I wonder how many cash payment doctor’s appointments I can skip over so I can still put food on the table?”

If I were single? This wouldn’t be a problem.

If my husband weren’t working? Again, wouldn’t be a problem.

But this isn’t how we’ve chosen to live our lives. We’ve chosen to follow the rules, gain higher education, work and be married. And you know what? It’s a lot harder than we thought it would be but it’s how things should be done, and eventually one day maybe things won’t be so tight. But for now they are. And we have to live with it.

I have gone back and forth on my feelings towards the whole issue. There was one particularly low moment where I actually hoped for miscarriage. I’m not saying I’m particularly proud of it, I’m just telling you the truth. It’s not really worth stomping my feet and gnashing my teeth because I am the minority and I just happen to live in a state where coverage is not guaranteed upon finding yourself pregnant, and, yes, things are changing. There are options out there for people in my situation, but they are few and they are hard to find.

Not to mention that everyone else has an opinion as well.

Home Birth! Move to Canada! DIVORCE FOR NINE MONTHS!

Oddly enough, one of the hardest things to deal with is having so many people who want to help, but not having any way they can help. I mean, I’ll let you come over and scrub my toilets any day, but beyond that? This gestation stuff is going to be my responsibility.

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26 Responses to “Mothers of Intention — Uninsured and Pregnant, by Casey of Moosh in Indy”

  1. Helena Says:

    Just because you’re against the health care reform, that the current administration is trying to subject our country to, does not mean that you wish unfortunate circumstances upon anyone. Of course I see how Casey’s situation is unfortunate, but I don’t think the health care reform planned will fix things like this, especially not for the long run.

    “..the ones who don’t believe there’s any excuse for not having health insurance” Really? Most, if not all, of the people I know that oppose the current health care reform do not believe that in the slightest. I know there’s no sense in trying to make you, PunditMom, see that all conservatives are not evil, rich, arrogant jerks – because that’s how you come across as viewing all of us. Still, maybe you should realize there’s logical reasons to oppose this health care ‘reform’, and they don’t involve any of the reasons you think they do.

    Casey, I wish you and your family the best. I hope this pregnancy becomes easier for you, and that in the end you and baby are both healthy and happy. God bless your family, dear.

  2. PunditMom Says:

    Helena, I’m sad you think I’m attacking anyone personally. I certainly am not. It just seems to me that Casey, and so many like her, are the ones who have found themselves on the short end of the stick when it comes to health care and health insurance, and that families like hers were forgotten about by many — on BOTH sides of the aisle — in the health care debate.

    Unfortunately, I have read many blog posts, stories online and heard people on television for months talking about their feeling that it’s just too bad if you don’t have money for health insurance and that it’s not the federal government’s job to have any say. How we fix anything so that people are better cared for, and cost the system less, when we already have 50 different state-run systems, I’m not sure. And if we think that private businesses or the insurance industry will step up to the plate, we only have to look at the insurers who stopped issuing policies for children just before they would be required to do so by law, and to McDonald’s, who is threatening to stop issue insurance at all.

    I am sad you think I think all conservatives are evil — I don’t and I think if you read my blog regularly, you know that. I find it interesting that Casey and I are pretty much on the same page on this issue, yet you wish her, and others like her with their opinions on health care, well, yet assume it’s OK to hate me.

  3. Krista Says:

    Oh man, Casey, I’m so sorry! I know your situation a little more than I would like. :( When we found out we were pregnant (oops!) with baby #1 we were both subbing part time and I was also waitressing. Low enough income, especially in the summer to qualify me for state assistance. They paid for every single little thing.

    After that runs out (about 2 months after you give birth) I was completely uninsured because we couldn’t afford to add me to my husband’s insurance on the very small private school salary he was then making. After we decided we might like another child we looked into our options… and ended up finding that you have to buy a cadillac plan in most cases just to get maternity coverage. We went for the best one we could afford thinking that in the long run it would cost us less because it covered more. Wrong again.

    When I did get pregnant I chose to go with a birthing center/midwife because I hated my hospital experience. Unfortunately while they just barely were certified with my insurance in time I found out later their “center” wasn’t covered. So, while my actual cost for the birth to them was “fairly” reasonable, I ended up with a $1000 facility fee that the insurance covered $115 of and I was responsible for the rest because it wasn’t “in network” and they didn’t have to write it off.

    Now, in the meant time my insurance rates have continued to creep up until 3 years after enrolling they 1) don’t even offer my plan anymore so if I want to change plans I lose my grandfather clause then 2) jacked up those rates to double what I started with and 3) have finally just done away with my plan entirely forcing me to choose a new one which… doubles my deductible while costing me the same in premiums.

    If I knew I wasn’t going to have any more children I would drop my insurance entirely. It’s cheaper for me to pay out of pocket for the little doctor’s visits I normally need than to have this insurance.

    And in my personal opinion… insurance is a complete racket. We’ll never see any real reform until they limit the amount of profit an insurance company can make, give incentives for people to get preventative care (and PAY for that!) and lower the overall cost to doctor’s liability insurance by tort reform as well.

    For most people insurance is a catch-22 that we shouldn’t be forced to choose. Especially to the benefit of the insurance fat cats.

    And don’t even get me started on how I was treated when I was on state assistance. I have a master’s degree and I was treated like a complete idiot.

  4. Jenny Says:

    My husband was laid off from a job with great benefits nearly two years ago. We lost our insurance, as it was a decision to pay the mortgage payment or to pay for COBRA (even the discounted amount was still far too much). Our children were fortunately covered by state Medicaid, but my husband and I were denied as the amount that he made on unemployment was above the 90% of the FPG required to insure adults. My husband is a Type II diabetic and has high blood pressure. With the increase in time on his hands, he did lose weight as he was able to spend an hour and a half plus per day working out. He applied for a local program, which never even bothered to get back to him as to whether they would provide services to him. Fast forward to this last June and he finally found a job. Yay! Only it came without group health insurance. Private insurances will cover him, for a huge fee, but will not cover anything related to his pre-existing conditions for one year. So, great, we’ll pay you a monthly fee for a year for nothing. Fantastic. And, it’s not like his new job is suddenly finding us rolling in the money, nope, he makes just a few hundred more per month. Which sounds great on paper, except we crossed the 130% of the FPG and lost food stamps. While that’s great and I’m happy about that, it’s not like we suddenly have a surplus of money, rather it’s pretty much a wash. Oh, and in June I found out I was pregnant. I’m PCOS, but I lost some weight during the spring and voila, knocked up. I’m not in exactly the same position as Casey, as I do now qualify for Medicaid (up to 200% FPG if you’re pregnant). Still, it’s certainly not a long term solution, and it’s certainly not helping my husband be able to get back onto his medications. Oh, and he’s a computer programmer – most people think he’s making great money when they hear his title. Sad fact is, he’s not. We’re poor.

  5. domestic extraordinaire Says:

    Big ((Hugs)) to you Casey.

  6. kakaty Says:

    This makes me so angry. She’s doing everything right, in accordiance to conservative “family values” thinking(i.e. married, working, SAH mom taking care of the child) and yet she is allowed to fall through the cracks. Voices like Casey need to be heard more. Stories like hers are lost in the partisan shuffle.

    And Helena, almost every conservative I know; including my own father, has used they “if they don’t have insurance it’s their own fault” argument with me. While that may not be an opinion you hold it is one held by very many on the right.

  7. Rachel ~ A Southern Fairytale Says:

    Casey, love you. I do hope people read this.

    Joanne, Thank you for being you.

  8. Mishelle Lane Says:

    I’m of the school that everything’s gonna be A-OK!

  9. Helena Says:

    PunditMom, I don’t know where you got that I hate you! I’m disagreeing with you, but that by no means should imply that I hate you. I stand by what I said though, that in what you say, it sounds very harsh toward those who are conservative or republican.

    Since this post is primarily Casey’s, and about her situation, I ended my previous comment with regards to that. It felt odd ignoring her words and only reply to you, especially since this was her guest post. -I do hope that’s cleared up any miscommunication, as it wasn’t intended.

  10. Helena Says:

    @kakaty Any conservatives I know do not hold such beliefs as that, and the only ones I’ve heard have been on the news. And those using thoughtless sayings like that, well, I found most of them were ignorant and wouldn’t be considered a true conservative in the first place.

  11. Renee Says:

    Health Insurance has been my biggest stress for the past two months!!!! Well the heartburn actually started 10 months ago when my husband told me that he was being promoted and as a result I would be able to be a stay at home mom and we would be moving to a whole new state… ALL GREAT NEWS… except for health insurance because his job doesn’t offer it. We are a generally a healthy family, but we’re also not immune to illness and accidents, and as a result are having trouble finding someone to cover us. In addition to that there is ONE private health insurance company that covers pregnancy (hello monopoly) and there is a 12 months waiting period and huge premium and deductible before they start to pay out!!!! We make too much for government programs, so that’s not an option. Of course, if my husband doesn’t’ work for a few weeks we would qualify (but that’s not ethical), we could divorce (NOT ), I could get a job instead of staying home to care for my family (we nearly starved to death in a filthy house when I was working), waiting until 2014 when pregnancy is required coverage for all women ( I’m too impatient)… We are considering a home birth for the next baby, but if there is an emergency and we are transported to the hospital then we are so screwed with medical bills! Why doesn’t our country value the family unit and take care of the people who are trying to take care of themselves????
    Bringing a happy and healthy baby into the world should bring joy, not fear and political frustration into our lives.

    Seriously what’s a girl to do in this situation???

  12. Meredith Says:

    I hear these stories all the time and I get confused when people say “well the current health care overhaul wouldn’t fix this” or “I feel bad for you but the government has no business in this discussion.” The history of health care shows the private insurance industry while a decent idea at the time is obviously not working. I’m waiting and waiting for those who oppose the health care plan to come up with workable alternatives that actually change the status quo, but too often the discussion ends when any sort of change is brought up, as if things are fine the way they are. They aren’t fine, but we can get nowhere in this country if people won’t admit change is needed; conversations are shut down as people cower behind their copies of Atlas Shrugged. This isn’t meant as finger pointing to conservatives or Republicans (I’ve met many who are disgusted with the current state of health care), but rather as a critique of a certain segment of the population accusing the President of socialism as a way to avoid the real crux of our nation’s problem.

  13. Lawyer Mama Says:

    Ah, Casey! First of all, congrats on your pregnancy! As a fellow infertile I know just how exciting that is. I feel horrible that I’m so out of it in the blogosphere that I didn’t know!
    I remember fighting with my mother about health insurance reform and trying to explain to her that her own daughter, I’m diabetic, would be bankrupt my an uninsured pregnancy. I’m fortunate that my husband’s company allows us to pay through the nose for good insurance. And that we can afford it. I’m not insurable outside of a group insurance policy with no pre-existing condition limits.
    It’s pretty sad when our insurance system puts some women in the position of having to choose between having a much wanted child and bankruptcy or maybe putting food on the table.
    Good luck to you, sweetie. (And I’d totally smuggle you Zofran in a heart beat!)

  14. Christine Says:

    Hugs, Casey. *mwah*

    One thing that is repeated ad-nauseum (sorry, Casey ;) )is that people who weren’t in favor of the sweeping overhaul and centralization of American’s health care system were “anti-health care” or “anti-health care reform.” Words have meaning and power, and it’s unfortunate that the entire discussion was framed in those terms.

    I respectfully disagree with the notion that those who opposed the bill as it was passed were disinclined to admit there weren’t problems in the system. Both sides (as if there were really only TWO) of the discussion had anecdotes that they used to help illustrate their points. I’d say the political expediency came into play when the other “side” dismissed an anecdote as anecdotal…yet continued to trot out their own anecdotes.

    I don’t know anyone on either side of the aisle (as if there are only two, teehee) who didn’t understand the need for reform in the US health care system. I didn’t know a physician, patient, nurse, orderly, phlebotomist, etc. who didn’t see the need for changes.

    It’s a shame that Republicans weren’t included to any meaningful degree in the drafting of that legislation…their input could have been very helpful. For example, some of the sequalae that we are seeing already was predicted by many with R’s behind their name…if they’d been listened to and a true bipartisan bill had been drafted, who knows what awesomeness could have been created.

    For example, Joanne mentioned that we have “How we fix anything so that people are better cared for, and cost the system less, when we already have 50 different state-run systems, I’m not sure.” One of the major Republican proposals was that insurance policies should be allowed to be sold across state lines.

    And let’s not lose sight of the fact that it is the Federal Pre-Existing Condition Insurance Plan (PCIP), a product of Obama and Congress’ Patient Protection and Affordable Care Act, declined Casey’s application for inexplicable reasons.

    For one I am never surprised when the Federal gov’t manages to mess up good intentions with miles of red tape and bending to special interest groups.

  15. JourneyBeyondSurvival Says:

    I am so sorry that you are experiencing such a difficult pregnancy. I am here through your own personal blog, and pertosis is terrible to deal with alone. I hope that you are able to weather this storm effectively and keep your family intact.

    We had a similar circumstance, but we moved states. Our old insurance would not cover us in the new state, and I found out I was pregnant after we moved. Pregnancy was not a pre-existing condition in our old state, and it is in the new one. The rest of my family was happily insurable. But not me. Not until the newborn baby and I were thirty days post-partum.

    So scary.

    Thankfully my daughter’s Rett Syndrome is not something that can be caught thirty days from birth. Because she is now insured. However, we cannot move out-of-state because we cannot afford the increase in premiums. My husband is out of work, and we live in one of the highest unemployment counties in the USA.

    So, I identify very much with what you’re saying. I know you might be against it, but have you looked into WIC and Medicaid? You pay taxes into these programs, and you are being responsible. Just a thought, (opinion like you mention) but many many well wishes either way you lean!

  16. Amie Says:

    At my son’s swimming lesson today, I listened to some ladies talking about the evils of socialism Obama is trying to force on us. One of them said that with what he’s tried to do with healthcare, he’s more communist than socialist. My jaw dropped. I need some kind of healthcare reform, so even if what’s presented isn’t perfect, at least we’re working toward something.

    I’m pregnant and insured. My husband works, and I’m a SAHM to four kids. We didn’t want any more, so I had an IUD put in a few years ago. I’m in the shockingly small percentage that gets knocked up anyhow. My insurance has a 1500 deductible for me to meet between now and December, then between Jan and March, and we’ll start with some new insurance in April. My husband works for a very small company, and our current carrier won’t be offering small business plans. We pay through the nose; over 600 out of pocket per month in premiums. Our current insurance has limited hospital choices (as do most of those who serve the small business market here). I’ve had a C-section and then two vaginal births. I wouldn’t be allowed to birth vaginally at the available hospital, so my costs go up even more for a C-section.

    I’ve done the right things, paid my taxes, save money when I can, etc. If we were lazier, we’d have every single penny taken care of via government programs.Ironically, I’ll pay over 10K in medical premiums, deductibles and copays for this pregnancy. Deduct that from my income and I’d qualify for all those programs. Why in the world isn’t there something for the in-betweens?

  17. Amy Says:

    we’re not sickly enough to justify the expense.


    You are pregnant. You may have a high risk pregnancy. You have a child who needs you. Your life is invaluable but “we’re not sickly enough to justify the expense.”

  18. Sarah Says:

    We found ourselves in that very position a few years ago. Except for us, we miscarried (to the tune of $12,000). We both worked full-time at nearly-minimun wage jobs, and because of that, we didn’t qualify for assistance. The ironic thing? Because my husband, whose income they were happy to include in their calculations, was not a U.S. citizen. So while he worked, paid taxes, and did everything he was supposed to do, he was not eligible for assistance. Fast forward 4 years, and we live in Australia. We’ve had 3 children, with NO cost other than a small payment for ultrasounds, and with the first, I was in hospital for 5 days, and the third child (thanks to a completely screwed up labour/birth experience) involved a 7 day hospital stay. I truly don’t understand what is so evil about socialised medicine. Can someone please explain it to me?

  19. Cheryl Says:

    My heart goes out to you, Casey. And to everyone who can’t afford the proper healthcare they need and to those who have fallen through the cracks. It disgusts me that pregnancy is considered a pre-existing condition, like it’s some sort of terminal disease or something.

    I’m Canadian. Not having affordable healthcare is unfathomable to me. I don’t understand the American fear of universal healthcare and healthcare reform. I thank the powers that be everyday for our Canadian universal healthcare system. Keep getting the word out. I know I’m on the outside looking in, but your system needs reform. Don’t give up!

    ~gingerly stepping off soapbox~

  20. April Mitchell Says:

    Because I was diagnosed bipolar I have not been able to buy private health insurance. The rest of my family is covered, but I cannot be. I have been through many frustrating situations with health insurance because we have been self-employed all our married life. I am not an expert in the health insurance issue, but I do have some opinions that I feel I am qualified to give being that I am one of those people out there that this Obama health care is supposed to be helping.

    I am against the health care bill. Dozens of people I have talked to in the health care industry are in agreement that it is going to kill America’s top notch health care. Why do you think it is thousands of people come from all over the world (including Canada) for our doctors here in the US? Because we have some of the best cutting edge medical advances around. That kind of a thing does not come cheap. For most countries there simply isn’t the funding to do the kind of research we do here.

    And by the way, those of you who think doctors are raking in the dough, think again. Most of them are not. And lest you think me bias, neither I nor my husband are in the health care industry. But we do have tax business, and we can tell you the American people are in for some very big wake up calls in terms of what is coming for us in terms of taxes as it is, without adding in the cost of the health care bill.

    Not that our system doesn’t need serious changes. If I walk in to a doctor’s office with cash, as I always have to do, I am frequently charged the same rate as they bill to someone with health insurance. For example, if they charge that $500 to your insurance company they do that knowing full well they will only be getting $150 or even less. But somehow I walk in there with cash and have to pay the $500? Seems pretty unfair.

    Then there is the corruption in health insurance companies. I went to fill a prescription for my daughter the other day (we do not have prescription coverage) and they told me it would be $275. I was completely taken aback and insisted the last time I got this prescription it was only about $15. They checked the computer, and whoops, we accidentally billed your insurance and that was the dollar figure we were billing for. If you are paying cash it will only be $15. How screwed up is it that a pharmacy bills the insurance over 10 times what they should when a person off the street can walk in and buy the same thing for a fraction of the price? It is called playing the system.

    I know firsthand the frustrations, in my case being sent a letter from our friendly neighborhood health insurance companies, informing me that I am considered “uninsurable” in my state of Utah– essentially branding me for life though I have never been hospitalized, broken a bone, or had a stitch. Ever. I’ve never even been in the hospital 24 hrs. when I had any four of my children. Does something seem screwed up here? Sure does. But I also know that if every person was entitled to receive insurance regardless of pre-existing conditions, with no regard to cost, the rates I pay for the rest of my family would soon become our highest expense, and we may not be able to afford it for any of us. You be the judge.

    In fact I think a huge part of the problem in the health care system is the games that have to be played between a doctor and the insurance in order to get paid. The people that get screwed over for it? That would be people like me, charged astronomical rates because of all the red tape.

    The extreme disaster of red tape that would be government health care would only add layers upon layers of cost, and it would undoubtedly leave the American people on the raw end of the stick. Both in the cost of care and in the quality. Government funded health insurance, such as the Canadian universal healthcare system mentioned in the previous post have a great deal lacking.

    Case in point:
    “Mountain-bike enthusiast Suzanne Aucoin had to fight more than her Stage IV colon cancer. Her doctor suggested Erbitux—a proven cancer drug that targets cancer cells exclusively, unlike conventional chemotherapies that more crudely kill all fast-growing cells in the body—and Aucoin went to a clinic to begin treatment. But if Erbitux offered hope, Aucoin’s insurance didn’t: she received one inscrutable form letter after another, rejecting her claim for reimbursement. Yet another example of the callous hand of managed care, depriving someone of needed medical help, right? Guess again. Erbitux is standard treatment, covered by insurance companies—in the United States. Aucoin lives in Ontario, Canada.–David Gratzer, City Journal Magazine.”

    Bottom line, just because we live here and pay taxes and have jobs, etc. doesn’t mean we are automatically entitled to health insurance. Since when did health care that become a basic human right? It is fascinating how people are so ignorant about how much these things cost. Everything has a cost, one way or another.

  21. habanerogal Says:

    Just for the lighter side of things we could get married in Canada same sex style (my man would be ok with a sister wife) and then after things get all fixed up with the Obama care you can go back to Americus and remarry your husband.

  22. Kristen Says:

    Thanks so much for bringing this issue to light. I think Casey’s story is, sadly, all too common. I wrote a post last year about how, even with insurance, having a baby cost us 25k.

    I really hope that our country can get it together on this issue!

  23. Erina Says:

    Thank you for sharing your story!

    Know someone whose child was denied health insurance coverage due to a pre-existing condition or had a pre-existing condition excluded from coverage? Give them the link to this survey being conducted by The Georgetown University Center for Children and Families. Their answers will help lawmakers figure out how to improve access to healthcare for kids.

  24. Brittani Says:

    After living in Canada for three years, the one thing I will miss most will DEFINITELY be the universal health care coverage. It is apalling to look at the state of health care here in the US. Universal health care coverage is no more socialistic than universal public education or universal public roads. I ended up using the universal health care system very little (we’re pretty healthy). But I felt so good knowing that it was there, not only for me, but for others. Casey, I will be wishing your family the best!!

  25. Yara M. Says:

    I read this and I would like to offer our side. Our insurance is from his job. We chose the best plan–have been paying and been happy with our premiums and thankful for the affordability. However–In May we found out our 17 yr old is pregnant. Not the ideal situation–However, I was thankful to have insurance as we figured–At least if they covered her expenses–we could make payments on the birth etc. OH NO! after I kept getting the bills back from the OB “NOT COVERED” I called our insurance–and Was told that–Our policy does not COVER -DEPENDENT PREGNANCY –(TEEN). To my surprise–So all the premiums we have paid etc- We applied for Healthwave in our state of Kansas only to be DENIED–Because we make too much! I assure you by only like $50–My husband and I both work. But since they go by your gross–yes we make to much! But if we budgeted based on our gross pay–things sure look better that way! –we all know when NET sets in–not a whole bunch left! I honestly–am freaking out here–My daughter is due in 2 month or so…and I have no idea how we are going to pay these bills.–I am hoping to set up a payment plan. YEs! I know she got herself in this situation….but I at least thought Thank God we have insurance! READ the fine print–Always. Sorry for ranting…YM

  26. Kj Says:

    I’m so confused reading about all these people lamenting how much it costs to have a baby. Children are expensive. It costs over $200,000 to raise a child in the US, and that’s if your child is normal, not even if the child has autism or some other condition. Why are all these people getting pregnant and having children if they can’t afford it?? It’s irresponsible not to use birth control, and irresponsible not to get an abortion if you truly can’t afford the child. If you’re barely scraping by a child is not a good idea. It doesn’t seem that complicated to me.
    The reality is that in the US if you don’t have insurance and something goes wrong you get royally screwed. Why would anyone take that chance?

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