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№2♥ Due in March.•*´ | I need help please...? |
I'm 21 yrs old and pregnant for the first time. I have a job at GE but it's an internship because I'm in college full time. Since it's an internship, I can't get benefits yet unless they take a chunk of money out. I've applied for a medical card to pay for my appointments but they haven't sent anything telling me something yet. The deadline hasn't come yet for it to be here but it's rapidly approaching. I know the bills will start rolling in soon. My dad just put me back on his medical insurance since I'm still a student and stuff. So my question is if the medical card doesn't come in time (the clinic told me to come in only if I didn't have insurance) can I show them my insurance card from my dad with my name on it? Will they bill the insurance company without me having to pay?...at least until I get the medical card. I hope I haven't confused anyone. Thanks so much in advance for your help.
14 weeks pregnant with #1 |
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☼ procrastin8 Ψ
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If you are on your dad's insurance policy then they should pay. Although, they could consider it a pre-existing condition and in that case they won't pay. You or your dad should call the the insurance company and find out. Usually insurances pay for maternity related issues, so you shouldn't have a problem. If you tell your doctor's office that you have insurance and give them the card they should bill it. You will probably have some kind of co-pay or deductible to meet before everything is paid in full. Some doctor's offices make you pay the deductible up front and some will just bill you after your baby is born. If you qualified for a medical card, it may pay for anything that you had done before the card arrived. Or if you get a medical card the doctor may bill your dad's insurance (the primary insurance) and whatever that doesn't pay for the medical card (secondary insurance) will pay for. I suggest that you or your dad call his insurance company and explain the situation and see what you have to pay for and then find out if you are getting a medical card and if you are, explain the situation to them and see what they say.
Each state is different and each insurance policy has different requirements, so your best bet would be to explain the situation to them and see what you have to do.
I hope I have helped in some way!
Congrats and Good Luck!!!!!! |
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Christie
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You need to ask this question to the clinic. Whether or not they'll ask you to pay at the time of service is completely dependent upon their office policy.
However, if you're eligible to be covered on your dad's medical plan, I doubt you're going to be eligible for a medical card. Assuming you are an eligible dependent on your dad's plan, and assuming that plan pays for dependent pregnancy, you shouldn't need other coverage.
But double check with the medical plan to be sure dependent pregnancy is covered - often, it isn't. |
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wfhlembo
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Hey Nikki, Congratulations on the pregnancy! I don't know what state you live in, but here in RI, I would be automatically covered under the state insurance plan. I guess like welfare, but insurance that the state provides pregnant women and their babies automatically. It's through Blue Cross, and there's no deductibles. You may just have to go to certain places that take it, but most do. Good luck. I'm sure you're covered somewhere!! |
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FortyLoveTX
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Don't worry at all. Congress will pass a law that will cover you until you are 25.
Socialized Medicine, here we come!!! |
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Shark Bait
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As long as you are covered by insurance your all set. Regardless if its under your name or your dad's YOUR COVERED. |
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Slappy
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Even without your medical card you can still go in. Just let them know you are in the process of getting insurance. They will make sure to bill you later.
Even if the bills come in first, you can still submit them later with a copy of your insurance. |
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suzi q
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Do your parents still carry you on their insurance as a student? You may also be able to get supplemental coverage at the county health department. They may refer you to an office that takes their coverage. lol |
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mbrcatz
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Well, if your dad didn't add you on 15 weeks ago, there's a strong possiblity that this pregnancy won't be covered. But adding on to GE's program probably isn't going to cover you, either, as you're already pregnant. Regardless of whether or not they bill the insurance company, if it's not covered, the bill is eventually going to become YOUR responsibility. |
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