There's going to be a little O-Trap

• O-Trap

  

  So, I mentioned awhile back that we were adopting. Now, the agency is putting that on hold, because Mrs. O-Trap is expecting. After about seven and a half years of trying, we're going to have a baby.
  
  However, I don't get my company's insurance for another couple months. In the meantime, we're having to self-pay, which is on the pricey side.
  
  We make okay money, so we've been able to afford things so far, and we have family willing to help if necessary, but are there any ideas out there on helping cover the visit and test costs for the next couple months, aside from government-instituted initiatives (which we would not likely qualify for, anyway)?
• sleeper

  

  O-Trap;1849953 wrote:So, I mentioned awhile back that we were adopting. Now, the agency is putting that on hold, because Mrs. O-Trap is expecting. After about seven and a half years of trying, we're going to have a baby.
  
  However, I don't get my company's insurance for another couple months. In the meantime, we're having to self-pay, which is on the pricey side.
  
  We make okay money, so we've been able to afford things so far, and we have family willing to help if necessary, but are there any ideas out there on helping cover the visit and test costs for the next couple months, aside from government-instituted initiatives (which we would not likely qualify for, anyway)?

  Congrats!
  
  I do appreciate the irony of asking about government led initiatives to help people while espousing libertarian values.
• friendfromlowry

  Deliver the baby yourself at home.
• O-Trap

  

  sleeper;1849955 wrote:Congrats!
  
  I do appreciate the irony of asking about government led initiatives to help people while espousing libertarian values.

  I said "aside from government-instituted initiatives." I wouldn't take them anyway, but I'm pretty sure we wouldn't qualify, even if I didn't have ethical reasons for not wanting them.
• sleeper

  

  O-Trap;1849958 wrote:I said "aside from government-instituted initiatives." I wouldn't take them anyway, but I'm pretty sure we wouldn't qualify, even if I didn't have ethical reasons for not wanting them.

  There is nothing then. Good luck!
• O-Trap

  

  sleeper;1849959 wrote:There is nothing then. Good luck!

  Thanks! In the end, we'll be alright, I'm sure. Just hoping for breathing room.
• CenterBHSFan

  

  Congratulations!
  
  I've heard local radio ads about a conservative med-share type of thing before. I can't think of the name of it, though XD
• O-Trap

  

  CenterBHSFan;1849964 wrote:Congratulations!
  
  I've heard local radio ads about a conservative med-share type of thing before. I can't think of the name of it, though XD

  I'm certainly open to checking it out. I'm sure I can dig up something with that much information. Thanks!
• Con_Alma

  O-Trap;1849965 wrote:I'm certainly open to checking it out. I'm sure I can dig up something with that much information. Thanks!

  Congrats O-Trap!!!
  
  https://mychristiancare.org/medi-share/
• O-Trap

  

  Con_Alma;1849971 wrote:Congrats O-Trap!!!
  
  https://mychristiancare.org/medi-share/

  Thanks!
• Heretic

  

  Congrats! As for the other issue of $$$ help, the number of clues I have = 0. But congrats!
• Con_Alma

  O-Trap;1849976 wrote:Thanks!

  Good luck....although I don't know if medi-share covers pregnancy expenses.
• Fab4Runner

  

  How exciting! Congrats!
• Zunardo

  Congratulations!
  
  Time to stock up on dill pickle-flavored ice cream for the wife, and Kroger-brand disposable diapers for the new rugrat.
• Iliketurtles

  

  That's awesome news. Congrats to you and your wife!
• FatHobbit

  

  Congrats!
• like_that

  

  Congrats, be sure to teach your child from day one to hate taxes [emoji108].
• OSH

  

  I don't know what is considered "pricey" for health insurance.
  
  I recently had to purchase a gap insurance plan since I've changed jobs. For me and my two girls it costs $150-160 a month. It's a solid plan too. We'll be on it for maybe a little over a month to two months. My wife has her own insurance through her school district. I don't know how much it costs, but she said once another person or persons are added onto it the costs skyrocket. I don't know what that was though.
• friendfromlowry

  How far along is your wife? If she's still early on, you can probably get away with not many doctor visits or ultrasounds as long as everything has looked good so far.
• Sonofanump

  Congrats, do what my parents did, check into the hospital at 12:01am so you don't get charged for an extra day.
• vball10set

  very cool--congrats to you and Mrs. O-Trap!
• justincredible

  

  like_that;1850017 wrote:Congrats, be sure to teach your child from day one to hate taxes [emoji108].

  Echoed. Congrats man!
• jmog

  Congrats!
  
  Just don't go to the doctor for the next 3 months, take some over the counter prenatal vitamins and everything will be fine .
  
  We had a similar situation with our second child actually, and we told her OBGYN that for the first couple months we would be paying out of pocket/cash and then would have insurance.
  
  They REALLY backloaded the different tests/visits for us and only did the required visits/tests the first few months to make sure everything was 'ok' with mom and baby. I ended up having to pay less than $1000 total until we had insurance.
  
  Just talk to the doctor up front and explain, they typically will work with you (mainly because they think most people paying up front end up not paying for like a decade).
• QuakerOats

  Congratulations!
  
  Sounds like the baby might be born before year-end, so you will get another exemption/deduction that will help.
• mcburg93

  

  Congrats!