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» Scarleteen Boards: 2000 - 2014 (Archive) » SCARLETEEN CENTRAL » Pregnancy and Parenting » Insurance and Pregnancy!

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Author Topic: Insurance and Pregnancy!
Member # 5721

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Hi, I am completely new to this. I just ran across it and I think it is really a neat idea. I think the advice you all give is great. Here is my problem.......... I am 20 years old and currently got married (I know, I know.... seems to young). My last period started on Sept 19. I haven't had another one since. We use condoms and spermicide. I was on the pill, but it was causing health problems so I went off. I am taking a pregnancy test tomorrow. If I am pregnant I won't be terribly upset because I am married. I just didn't want to have kids until we are financially able. My husbnd works third shift and is having trouble finding a new job. In order to get health insurance he has to work 40 hrs a week, but they are only allowing him 39 hrs a week right now. I work a seasonal job at Christmas and the rest of the year I am self employed. I am afraid that if I am pregnant we won't be able to afford medical bills. I know that there are a lot of places to help unwed teens with this problem, but what about married couples. We are alright financially, but in no position to afford medical bills. I would never ever consider abortion or adoption. I know we could get help from our parents with the baby items, but I doubt they could do much good on the medical bills either. I was just wondering if anyone knows of anything out there that can help with this. I would also take any other advice that anyone can offer. Thanks for your time.
Posts: 8 | From: Columbus, Indiana | Registered: Nov 2001  |  IP: Logged | Report this post to a Moderator
Member # 5036

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Hi there! Welcome

Sorry I can't provide a lot of information, but I live in the UK now so I'm sort of out of the US loop. I'm sure someone else can provide better info for you.

Your hubby is working the way a lot of companies employ people, specifically to avoid having to provide health insurance. It sucks.

You can get reasonably priced pre-natal care at clinics local to you. This would be less expensive than going through a private OB or midwife pratice. Your local planned parenthood would be a good place to start:

In terms of labour and delivery, if you choose to give birth in hospital, you can make payments over time on a bill that will likely reach several thousand dollars. Don't freak; you can literally pay over a period of years.

If you choose to give birth at home, you may be able to find doulas/midwives who will also let you pay over time, and the bill is likely to be lower.

You should also look into medicaid funding in your state to provide health insurance to your child after birth if you are indeed preganant if you are a low income family. Many states will provide coverage for children in families living at up to 150% of the federal poverty level under a program called SCHIP (State Childrens Health Insurance Plan.)

If you are pregnant, you can find other young mothers facing similar issues, as well as mamas who have been there, done that! at

Good luck to you and please let us know what your test says

Hope this helps,

Posts: 848 | From: London, UK | Registered: Aug 2001  |  IP: Logged | Report this post to a Moderator
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Member # 1896

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Just a footnote to Bri's advice:

I am also not in the US, but Planned Parenthood offered this bit of advice in their What if I am pregnant article.


You can get complete information about prenatal care and how to pay for it from your family doctor, your local Planned Parenthood center, other family planning clinics, women's health centers, and your state's department of family services. Good prenatal care is very important for a baby's health.

To make an appointment with the Planned Parenthood center nearest you about your pregnancy options and prenatal care, call toll-free 1-800-230-PLAN.

~spanking new Scarleteen Sexpert~

"Through repetition the magic will be forced to rise."
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Posts: 4526 | From: germany | Registered: Nov 2000  |  IP: Logged | Report this post to a Moderator
Member # 5092

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Hey! The advice above is awesome.. I just want to add that in my experience with 'em most organizations and groups that help out teen moms are not going to exclude you if you need help while you are pregnant!

You might want to find out if there is a Birthright in your area... either do a search for them online (they have an 800 number to locate on in your area), or look it up in the white pages. They offer 'abortion alternatives' and are kind of pro-lifey, but not as much as some of the 'Crisis Pregnancy Centers' that you will run across. They will help you find the help that you need, get you in touch with your health department to find out if you can qualify for any kind of assistance with health insurance. If you are in the USA you can apply for medicaid. It does take a while to apply, but is retroactive so that any medical bills you incur during the application process will be reimbursed once you have the medicaid all in place.

Good luck! Even if you are not pregnant, health insurance is something you should investigate.. you never know when you could get sick or there could be an emergency, you know?

Health care in the USA is such a mess, I had a really hard time getting insured when I was pregnant... now I live in France where they have mostly socialized medicine.. I had to pay about $700 in bills while I was in the USA, and the had my daughter in France.. I owed almost nothing. And my boyfriend and I are not even citizens here (though he does work here..). ANyway. Good luck to you! If you have more questions or need more suggestions please keep coming back!!

Judy & baby Eska

Posts: 23 | From: Paris, France | Registered: Aug 2001  |  IP: Logged | Report this post to a Moderator
Member # 5721

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Hey Guys, Thanks so much for all your advice. Turns out I'm not pregnant. My period came the day after my first post. I just wanted to let you all know that my husband has to go in on the 16th to find out about a possible job. It will be good money and even better........ we'll have health insurance. Thanks Again!!!
Posts: 8 | From: Columbus, Indiana | Registered: Nov 2001  |  IP: Logged | Report this post to a Moderator
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Great to hear that it all worked out for you!

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Posts: 7316 | From: USA | Registered: Oct 2000  |  IP: Logged | Report this post to a Moderator

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