Green Card holder pregnancy insurance

[khalid_ahq 1]

Dear All,

Hope you can clarify some point regarding the pregnancy insurance (medicaid or others) for green card holder, we got our green card during June 2015 in Florida and we still in the transition process, my wife is pregnant and the plan is to give birth is US, I understood that some states required wait period of five years since being green card holder in order to be eligible for medicaid, unfortunately I know some one with similar case and they denied the medicaid request two times in Florida because of this issue (should wait 5 years).

they told my friend take your wife to emergency to give birth and she may insurance cover her this way.

can any one help on that and what is the proper way to have a baby in US with insurance ? and can someone with valid Florida ID submit medicaid in another state ? please advice on this.

thank you.

[Transborderwife 4,666]

She's not eligible for Medicaid, end of story. Look at package/prepaid options, birthing centres can be very reasonable. The proper way would be to look after her expenses yourself, not to rely on Medicaid.

[Anh map 2,098]

No, you should talk with doctors to find some of the options that may be available for reduced pricing. There are many people without insurance that have children, so the programs exist.

Better pregnancy planning would be the best advice. It's not likely that you can find maternity coverage after the fact.

No, you can't go and make another state pay for the services. Do some investigating and you can find lower cost options.

[khalid_ahq 1]

She's not eligible for Medicaid, end of story. Look at package/prepaid options, birthing centres can be very reasonable. The proper way would be to look after her expenses yourself, not to rely on Medicaid.

Thank you for your comment, what about community hospitals can it be an option for our case ??

[khalid_ahq 1]

No, you should talk with doctors to find some of the options that may be available for reduced pricing. There are many people without insurance that have children, so the programs exist.

Better pregnancy planning would be the best advice. It's not likely that you can find maternity coverage after the fact.

No, you can't go and make another state pay for the services. Do some investigating and you can find lower cost options.

Thank you for your comment, you are alright planning is the best, but you know sometimes unforeseen events will impact the plan ))

[Transborderwife 4,666]

Call any public hospital or OB group. See if they have packages

[khalid_ahq 1]

Call any public hospital or OB group. See if they have packages

Thank you for your comment,is public hospital the same as community hospital ?

[Transborderwife 4,666]

I'm not certain what you mean by community hospital. Basically one that's not privately funded like cedars Sinai or catholic hospitals

Edited October 24, 2015 by Transborderwife

[Alaska2012 462]

I went to a birth center when I had our 3rd kid, but the first who was born in the states. None of the private bought insurances up in AK back then covered pregnancies so a birth center was the cheapest way to go.

Make phone calls and ask for quotes! You can usually get a good discount if you pay upfront

[Boiler 45,997]

You are required to have Heath Insurance under Obamacare.

[belinda63 3,046]

Open enrollment for the ACA starts November 1. Coverage would go into affect January 1, 2016. You are required to have health insurance. I suggest you pay cash for the prenatal care until your health insurance coverage begins.

[asisflyer 47]

LISTEN CLOSELY --- THIS REPLY HAS FACTS TO HELP - NOT CONJECTURE OR OPINIONS or attempts to frighten/condemn you

1. FIRST PRE-EXISTING CONDITIONS are gone in America ----- so ignore the comments on pregnant women not getting coverage. EMLATA also compels emergency treatment to anyone in the United States entering an ER in urgent need. This Reagan era law bankrupts hospitals but it may help you.

2. CHIPRA Section 214 allows states to elect to offer PREGNANT IMMIGRANTS and CHILDREN otherwise ineligible for Medicaid due to the 5 year wait medicaid from Pregnancy through 60 days post-partum. FLORIDA IS NOT ONE OF THESE 16 STATES. So you might want to move.

3. If you want to know the states that do follow this link below ---- KNOW THIS THOUGHT: CHIPRA Section 214 FORBIDS states to Deem Joint Sponsor Income and to use the I-864 for recovery for PREGNANT WOMEN and MINOR CHILDREN in states making these SPA election. Outside of this time frame, many states will deem joint sponsor income and may legally pursue repayment -- BUT NOT DURING HER PREGNANCY through 60 days post-partum. CHIPRA 214 blocks deeming and sponsorship is states whose Medicaid plans adopt it.

CHIPRA SECTION 214 ADOPTION STATES:

http://www.medicaid.gov/medicaid-chip-program-information/by-topics/outreach-and-enrollment/lawfully-residing.html

4. NOW - ACA ("Obamacare") has exchange health plans available in Florida. Go the HEALTHCARE.GOV to learn more.

5. Depending upon your TAX HOUSEHOLDER INCOME (you and wife and your dependents) -- you may or may not meet Florida's level for

For PREGNANT WOMEN -- its 190% of Federal Poverty Guideline assessed monthly --- but that doesn't matter as her immigration status will block her in Florida. So its a moot point!

6. ACA LOOPHOLE --- If you are denied MEDICAID for Immigration Status and your income under less than 100% (or 133% depend on state) of the poverty Guidelines, then you can claim a TAX CREDIT (in Advance) which the government will pay against your Exchange Plan insurance that you purchase through HEALTHCARE.GOV ..... This can mean you get a Non-Medicaid Plan for REALLY REALLY REALLY CHEAP... In fact under 100% FPL is 2% OF INCOME as what you should pay for 2nd lowest cost silver plan on Healthcare.gov ... the entire difference (prorated monthly) is subsidized by the Government!!! (but you still pay spread above 2nd lowest cost silver to actual plan you pick )

7. If your ANNUAL TAX HOUSEHOLD income is higher, you'll get less help but up to 400% of Federal Poverty Line -- you'll get some subsidy in general. The Health Insurance from Healthcare.gov will be lower premiums this way.

8. BIG CATCH: Medicaid can be enrolled in any time during the year BUT EXCHANGE PLANS must be in open enrollment period or a Special Enrollment Period.... HEALTHCARE.GOV will guide you through this. Fortunately, you're near open enrollment anyway !!!!

9. Platinum plans are better for pregnant women if Tax Householder income is above 250% FPL -- but below it --- Silver Plans get CSR (Deductible and Out of Pocket Max subsidy) to make them more affordable but only below 250% FPL.

10. Failsale is EMERGENCY MEDICAID as you said--- if you financially qualify -- Some states provide PreNatal Care as part of this but many states DO NOT and would only cover the emergency delivery. I-864 does not apply to EMERGENCY MEDICAID - only regular in some states. Most states would let you signup for Emergency Medicaid ahead of time.. others arrange on the fly at the hospital on delivery. For FL, I can't answer you.

Go to HEALTHCARE.GOV and get started...... even if you didn't follow everything I said --- its a place to start.

Remember that for Exchange Plans:

1st to 15th of month applications will allow enrollment on 1st of following month

16th to 30th --- 1st of month after----- so there will be a delay while your wife is getting coverage...

In the meantime, you'll want to use Community Centers/ Cash Oriented Facilities to get your wife's

Nuchal Transluceny (NT) Scan

Level 2 Anatomy Scan (very important)

Labwork (screening for HPV/ CBC to monitor for anemia / Monitoring for gestation diabetes) etc...

Blood Pressure / Swelling on Legs / etc.

Hope this helps............. apologies for some member comments... and the VJ community not helping as it should!!!!

Edited October 25, 2015 by asisflyer

[newacct 688]

She's not eligible for Medicaid, end of story. Look at package/prepaid options, birthing centres can be very reasonable. The proper way would be to look after her expenses yourself, not to rely on Medicaid.

It varies by state. In some states, they give pregnancy-only Medicaid without regard to status, e.g. illegal immigrant pregnant women can get it.

[calengineer 4]

Dear All,

Hope you can clarify some point regarding the pregnancy insurance (medicaid or others) for green card holder, we got our green card during June 2015 in Florida and we still in the transition process, my wife is pregnant and the plan is to give birth is US, I understood that some states required wait period of five years since being green card holder in order to be eligible for medicaid, unfortunately I know some one with similar case and they denied the medicaid request two times in Florida because of this issue (should wait 5 years).

they told my friend take your wife to emergency to give birth and she may insurance cover her this way.

can any one help on that and what is the proper way to have a baby in US with insurance ? and can someone with valid Florida ID submit medicaid in another state ? please advice on this.

thank you.

There are many options if you look around for a cheap insurance. Sometimes finding the correct insurance could be a struggle but try to avoid medicaid since you just become an immigrant. However, you an continue trying and you might have luck the second or third time.

Other wise, look around for insurances. There's plenty online that you can google and can give you an estimate of your monthly payments, coverage, and pre-conditions (i.e. maternity). Many insurances will cover you if you're pregnant by the time you sign up. And most will probably have a deductible to pay. Try to keep that at a minimum.

Best of luck!

[khalid_ahq 1]

LISTEN CLOSELY --- THIS REPLY HAS FACTS TO HELP - NOT CONJECTURE OR OPINIONS or attempts to frighten/condemn you

1. FIRST PRE-EXISTING CONDITIONS are gone in America ----- so ignore the comments on pregnant women not getting coverage. EMLATA also compels emergency treatment to anyone in the United States entering an ER in urgent need. This Reagan era law bankrupts hospitals but it may help you.

2. CHIPRA Section 214 allows states to elect to offer PREGNANT IMMIGRANTS and CHILDREN otherwise ineligible for Medicaid due to the 5 year wait medicaid from Pregnancy through 60 days post-partum. FLORIDA IS NOT ONE OF THESE 16 STATES. So you might want to move.

3. If you want to know the states that do follow this link below ---- KNOW THIS THOUGHT: CHIPRA Section 214 FORBIDS states to Deem Joint Sponsor Income and to use the I-864 for recovery for PREGNANT WOMEN and MINOR CHILDREN in states making these SPA election. Outside of this time frame, many states will deem joint sponsor income and may legally pursue repayment -- BUT NOT DURING HER PREGNANCY through 60 days post-partum. CHIPRA 214 blocks deeming and sponsorship is states whose Medicaid plans adopt it.

CHIPRA SECTION 214 ADOPTION STATES:

http://www.medicaid.gov/medicaid-chip-program-information/by-topics/outreach-and-enrollment/lawfully-residing.html

4. NOW - ACA ("Obamacare") has exchange health plans available in Florida. Go the HEALTHCARE.GOV to learn more.

5. Depending upon your TAX HOUSEHOLDER INCOME (you and wife and your dependents) -- you may or may not meet Florida's level for

For PREGNANT WOMEN -- its 190% of Federal Poverty Guideline assessed monthly --- but that doesn't matter as her immigration status will block her in Florida. So its a moot point!

6. ACA LOOPHOLE --- If you are denied MEDICAID for Immigration Status and your income under less than 100% (or 133% depend on state) of the poverty Guidelines, then you can claim a TAX CREDIT (in Advance) which the government will pay against your Exchange Plan insurance that you purchase through HEALTHCARE.GOV ..... This can mean you get a Non-Medicaid Plan for REALLY REALLY REALLY CHEAP... In fact under 100% FPL is 2% OF INCOME as what you should pay for 2nd lowest cost silver plan on Healthcare.gov ... the entire difference (prorated monthly) is subsidized by the Government!!! (but you still pay spread above 2nd lowest cost silver to actual plan you pick )

7. If your ANNUAL TAX HOUSEHOLD income is higher, you'll get less help but up to 400% of Federal Poverty Line -- you'll get some subsidy in general. The Health Insurance from Healthcare.gov will be lower premiums this way.

8. BIG CATCH: Medicaid can be enrolled in any time during the year BUT EXCHANGE PLANS must be in open enrollment period or a Special Enrollment Period.... HEALTHCARE.GOV will guide you through this. Fortunately, you're near open enrollment anyway !!!!

9. Platinum plans are better for pregnant women if Tax Householder income is above 250% FPL -- but below it --- Silver Plans get CSR (Deductible and Out of Pocket Max subsidy) to make them more affordable but only below 250% FPL.

10. Failsale is EMERGENCY MEDICAID as you said--- if you financially qualify -- Some states provide PreNatal Care as part of this but many states DO NOT and would only cover the emergency delivery. I-864 does not apply to EMERGENCY MEDICAID - only regular in some states. Most states would let you signup for Emergency Medicaid ahead of time.. others arrange on the fly at the hospital on delivery. For FL, I can't answer you.

Go to HEALTHCARE.GOV and get started...... even if you didn't follow everything I said --- its a place to start.

Remember that for Exchange Plans:

1st to 15th of month applications will allow enrollment on 1st of following month

16th to 30th --- 1st of month after----- so there will be a delay while your wife is getting coverage...

In the meantime, you'll want to use Community Centers/ Cash Oriented Facilities to get your wife's

Nuchal Transluceny (NT) Scan

Level 2 Anatomy Scan (very important)

Labwork (screening for HPV/ CBC to monitor for anemia / Monitoring for gestation diabetes) etc...

Blood Pressure / Swelling on Legs / etc.

Hope this helps............. apologies for some member comments... and the VJ community not helping as it should!!!!

Thank you so much for your reply, I can see that Washington, Delaware and Wisconsin provide Medicaid for pregnant and can wave the 5 years waiting time, can I go there and apply there for medicaid without changing my residency (Florida) as is temporary ? for example my wife has relatives in Wisconsin and it is an option also, but we will back to Florida after giving birth ?