Anyone been pregnant and out of status?

[JayeBird 117]

3 hours ago, Scotty23 said:

Hello, right now I have been in the middle of filing for AOS from esta based on my marriage to a us citizen. We recently found out I am pregnant. I went for my medical appointment last week - everything was fine but I have to go to an ob to get an MMR vaccine before I can get my medical paperwork back to send off my application. 

Problem is I have no insurance, my husband missed the cut off date to add me to his. I have also been out of status since August.

I just wondered if anyone here has been in the same or a similar situation and could tell me if there is a way for me to get insurance or am I best to pay out of pocket? 

I have called round a few places and got some prices- very pricey compared to our free healthcare back home in the uk lol. 

any advice would be much appreciated. Thank you. 

 

Ps. If you don’t have advice please don’t comment, stressed enough so I don’t need the negative comments or opinions from people who just come on here to critisize others. 

Thanks

Hi, i dont know what state you are in but you should try and check your local hospital. Sometimes they have a outpatient maternity clinic that is subsidized  that allows you to pay a small Copay or nothing if you qualify.  Your local hospital should be able to give you some directions.

[Ivy. 113]

I do not know if you would be interested in getting a midwife instead of an obgyn. Yes, you should really get insurance. I bought my own on the marketplace after moving here because my move was not a “qualifying event”. But... my midwife charges about $5000 for prenatal care, birth and first several baby well visits. For a healthy pregnancy, which I hope you will also have, it is a cheaper alternative. 

[Umka36 781]

7 minutes ago, javadown2 said:

This should be the case, your husband more then likely can add you anytime (people get married all the time and don't have to wait for the enrollment dates). I was able to add my wife to mine after we got married, it was just a simple form..but it did ask for  a SSN, but again as long as your married this shouldn't be an issue, have your husband check with the HR department at work and figure out how to add you. 

Marriage is a special enrollment period, but you typically need to do this within 30 days of marriage. The OP is outside this time frame, and a SSN is not required to add a spouse to your plan.

 

Q5: If I do not have a social security number (SSN) or other tax identifying number (TIN) for myself or other covered individuals, such as my spouse or dependents, should I contact the IRS to obtain  a social security number or individual taxpayer identification number (ITIN) so that I can give it to my health coverage provider?

A5: No, it is not necessary for you to contact the IRS if you do not have an SSN or a TIN.  You should advise your coverage provider that you do not have an SSN or TIN and give them the date of birth for each covered individual.

 

https://www.irs.gov/affordable-care-act/questions-and-answers-about-reporting-social-security-numbers-to-your-health-insurance-company

[Scotty23 3]

4 minutes ago, Ivy. said:

I do not know if you would be interested in getting a midwife instead of an obgyn. Yes, you should really get insurance. I bought my own on the marketplace after moving here because my move was not a “qualifying event”. But... my midwife charges about $5000 for prenatal care, birth and first several baby well visits. For a healthy pregnancy, which I hope you will also have, it is a cheaper alternative. 

That could be another option too actually, didn’t think of that. Thank you. 

[javadown2 308]

1 minute ago, Umka36 said:

Marriage is a special enrollment period, but you typically need to do this within 30 days of marriage. The OP is outside this time frame, and a SSN is not required to add a spouse to your plan.

 

Q5: If I do not have a social security number (SSN) or other tax identifying number (TIN) for myself or other covered individuals, such as my spouse or dependents, should I contact the IRS to obtain  a social security number or individual taxpayer identification number (ITIN) so that I can give it to my health coverage provider?

A5: No, it is not necessary for you to contact the IRS if you do not have an SSN or a TIN.  You should advise your coverage provider that you do not have an SSN or TIN and give them the date of birth for each covered individual.

 

https://www.irs.gov/affordable-care-act/questions-and-answers-about-reporting-social-security-numbers-to-your-health-insurance-company

Ah..your right...sigh why would they not sign her up after getting married? Unless the circumstances were such that they couldn't...but really that was a bad call.

[Scotty23 3]

Just now, javadown2 said:

Ah..your right...sigh why would they not sign her up after getting married? Unless the circumstances were such that they couldn't...but really that was a bad call.

We didn’t know there was a 30 day limit. We were too excited about the marriage that we didn’t even think of insurance. Lol. But when it came to adding me they told us there was a 30 day limit.. his hr staff at work knew we got married but didn’t mention the 30 day thing.

[Ivy. 113]

6 minutes ago, javadown2 said:

Ah..your right...sigh why would they not sign her up after getting married? Unless the circumstances were such that they couldn't...but really that was a bad call.

Well, first of all, now it is something that can not be changed. And even still, sometimes it is not something you want to do. For example, I moved to the US nearly 3 years after marriage - there was no point for my husband to add me to his insurance while I have insurance in my own country, which I lived in.

[Richardson 92]

3 hours ago, Scotty23 said:

Hello, right now I have been in the middle of filing for AOS from esta based on my marriage to a us citizen. We recently found out I am pregnant. I went for my medical appointment last week - everything was fine but I have to go to an ob to get an MMR vaccine before I can get my medical paperwork back to send off my application. 

Problem is I have no insurance, my husband missed the cut off date to add me to his. I have also been out of status since August.

I just wondered if anyone here has been in the same or a similar situation and could tell me if there is a way for me to get insurance or am I best to pay out of pocket? 

I have called round a few places and got some prices- very pricey compared to our free healthcare back home in the uk lol. 

any advice would be much appreciated. Thank you. 

 

Ps. If you don’t have advice please don’t comment, stressed enough so I don’t need the negative comments or opinions from people who just come on here to critisize others. 

Thanks

first of all Congratulation on your Blessing. a baby is blessing from God. 

Me and my Wife was in the same situation. our situation we were in the middle of filling AOS  from a K1. i petitioned her from a k1 and impregnated her when i went to get her from her home country and my former home country as well. thanks God she gave Birth to a handsome little man.

 you and your husband will have to search for a Non-profit medical center for the time being while you pregnant. in there you will be able to get an emergency medicaid which only valid for 90 days. you can apply for that emergency medicaid for  now or you can wait till your last trimester into the pregnancy. my wife used hers during the first trimester because we didn't know we will need it more during the last trimester then the first trimester. that was a huge mistake we should've wait till the last trimester. now whether you used it before the last trimester you will still get another one that only valid for the delivery only which start from the real contractions finish right after you get discharge 2 day after they kept you in the hospital base on your type of delivery . therefore if you wait to used  the one that valid for the 90 days. its way better. because them it will cover everything from the last trimester the one that valid for the delivery doesn't cover false contractions. there if you have false contraction you go to the hospital. you will be billed. and them billed ain't no joke. the medicaid that valid for the delivery only wont cover that. The non profit Medical center goes by your income base. the one my wife went to was charging $35 per visit and which vaccine or test they done can be pay by payment plan which the minimum payment was $10 weekly. I Found was great. therefore which ever state you live in. trying to find a Non profit medical center. they will take care of you. 

GOOD LUCK AND ONCE AGAIN CONGRATULATION

[javadown2 308]

23 minutes ago, Scotty23 said:

We didn’t know there was a 30 day limit. We were too excited about the marriage that we didn’t even think of insurance. Lol. But when it came to adding me they told us there was a 30 day limit.. his hr staff at work knew we got married but didn’t mention the 30 day thing.

Sorry to hear this, I hope your able to find the insurance...I'm not much help. The midwife is a good option, but 5k is still a LOT, and what happens if there is complications (I'm sure you are healthy but there is still a chance of many things happening). 

[Umka36 781]

When the next open enrollment period opens up, be sure your husband adds you ASAP. Hopefully you'll be covered by delivery due date (2019?) I also recommend checking which doctor/facility your husbands insurance covers in order to make it a smooth transition when the insurance kick in.

 

OP, not everyone qualifies for "free" medical care. They do look at your family income, so if your spouse make more than the guideline you may not qualify. By all means apply if you think you may qualify.

 

Another option is after you file your AOS and receive the Notice of Action (I-797), you could also look for coverage at the health exchange.

 

https://www.healthcare.gov/help/how-do-i-resolve-an-inconsistency/#immigration

 

http://www.state.nj.us/humanservices/dmahs/clients/medicaid/payment/payment_fact_sheet.pdf

 

 

Edited May 29, 2018 by Umka36

[x_driven_x 1,778]

2 hours ago, mcdull said:

idk why you are so stressed.

 

Your husband could most likely add you due to a change in life circumstances.

 

You may qualify for Emergency Medicaid.

 

In few months, you will receive your EAD and AP, you can always go back to the UK to take advantage of the NHS.

 

 

OP and her husband have a history of not getting things done in time. They got married and didn't add her to his health insurance within the 30 days life change window and that was months ago.  Nobody can do anything to help if OP and husband can't stay on top of the important stuff. It's not like this is running to the grocery store and putting it off a week... this is important legal and financial stuff.

 

They claim they didn't know there was a 30 day window, but I guarantee OPs husband has all of this information available to him and should have been planning ahead anyway. 

 

 

Edited May 29, 2018 by x_driven_x

[Scotty23 3]

1 minute ago, x_driven_x said:

OP and her husband have a history of not getting things done in time. They got married and didn't add her to his health insurance within the 30 days life change window and that was months ago.  Nobody can do anything to help if OP and husband can't stay on top of the important stuff. It's not like this is running to the grocery store and putting it off a week... this is important legal and financial stuff.

 

 

No one told us there was a 30 day limit on when to add a spouse to your insurance!! And as for ‘not getting things done in time’ - things happen in people’s lives that they can’t control therefore there are certain things that have happened in the last year that have stopped me from being able to do what I’ve had to do!! There are many people on here who have taken A LOT longer than me to do these important things! 

[x_driven_x 1,778]

12 minutes ago, Scotty23 said:

No one told us there was a 30 day limit on when to add a spouse to your insurance!! And as for ‘not getting things done in time’ - things happen in people’s lives that they can’t control therefore there are certain things that have happened in the last year that have stopped me from being able to do what I’ve had to do!! There are many people on here who have taken A LOT longer than me to do these important things! 

Look OP, Noone is going to 'tell you' a lot of things in life. As adults, it's on you guys to be pro-active about these kinds of things. I guarantee your husband at some point got a packet of information about his benefits that explained these things, whether he chose to read it is another question.

 

Life does happen, but when it comes to legal things, that's not an excuse....  Your very best thing to do is to always stay on top of this ahead of time and plan ahead.  You knew you were getting married, health insurance in the US is extremely important, at the least should have been questioning it well in advance of missing a 30 day post-marriage window.

 

Things like overstays and the like are forgiven for USC spouses, but you'll still need to file the paperwork ASAP - and that isn't going to help your medical / pregnancy / health insurance situation as they are completely not related, except for the debacle with your vaccination now.  I believe panel physiian is allowed to provide a reason why a vaccination is not necessary / cannot be given, and you might have to have them say it cannot be given since you a pregnant, like a waiver of sorts.

 

Now that you are pregnant, it might be pretty hard for you to even get health insurance that is affordable.  Insurance doesn't really have much do to with immigration (beyond having legal status), so your best bet might be looking at insurance resources for your state. There should be a board of insurance that would be a good place to start or if you search "Insurance Marketplace <my state>"  you should find some resources.

 

Here is some information about immigration statuses and healthcare; but given that you technically are not of these statuses, you're probably going to want to file ASAP so you'll have temporary protected status, I think is is. Without filing, it will be hard if not impossible to get insurance and you might just have to pay cash as you go and negotiate. https://www.healthcare.gov/immigrants/immigration-status/

 

Also, when the baby is born, you need to add him/her to your husband's insurance ASAP (again I think you must do this within 30 days)

 

https://www.healthcare.gov/immigrants/immigration-status/

Edited May 29, 2018 by x_driven_x

[Scotty23 3]

2 minutes ago, x_driven_x said:

Look OP, Noone is going to 'tell you' a lot of things in life. As adults, it's on you guys to be pro-active about these kinds of things. I guarantee your husband at some point got a packet of information about his benefits that explained these things, whether he chose to read it is another question.

 

Life does happen, but when it comes to legal things, that's not an excuse....  Your very best thing to do is to always stay on top of this ahead of time and plan ahead.  You knew you were getting married, health insurance in the US is extremely important, at the least should have been questioning it well in advance of missing a 30 day post-marriage window.

 

Things like overstays and the like are forgiven for USC spouses, but you'll still need to file the paperwork ASAP - and that isn't going to help your medical / pregnancy / health insurance situation as they are completely not related, except for the debacle with your vaccination now.  I believe panel physiian is allowed to provide a reason why a vaccination is not necessary / cannot be given, and you might have to have them say it cannot be given since you a pregnant, like a waiver of sorts.

 

Now that you are pregnant, it might be pretty hard for you to even get health insurance that is affordable.  Insurance doesn't really have much do to with immigration (beyond having legal status), so your best bet might be looking at insurance resources for your state. There should be a board of insurance that would be a good place to start or if you search "Insurance Marketplace <my state>"  you should find some resources.

 

Here is some information about immigration statuses and healthcare; but given that you technically are not of these statuses, you're probably going to want to file ASAP so you'll have temporary protected status, I think is is. Without filing, it will be hard if not impossible to get insurance and you might just have to pay cash as you go and negotiate. https://www.healthcare.gov/immigrants/immigration-status/

 

Also, when the baby is born, you need to add him/her to your husband's insurance ASAP (again I think you must do this within 30 days)

 

https://www.healthcare.gov/immigrants/immigration-status/

Thank you for the links. 

I have everything ready to send, apart from medical. So I’m taking advice from here and sending it without the medical paperwork and will take it with me whenever I get an interview. 

[Umka36 781]

When the baby is born, the child will be temporary covered under mothers account (based on my experience/medical plan I selected). You will then need to provide a copy of the baby's birth certificate/SSN to the HR department. My employer allows 60 day grace period to get this done.