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Baby Health Insurance California Question & Answers

2015 June 18
by Sarah Fields

Thomas asks…


I live in Georgia and I am trying to find some private insurance that would cover fertility testing and not treatment such as ivf OR IUI . Me and my fiance have been trying to have a baby for 3 years and i have tried everything, i finally have saved up enough money to be able to pay for private insurance can someone please tell me some health insurance company that may cover fertility testing.
Thank you all for the replies. I have saved up (5500) towards a deductible for private insurance not one month to the one person who stated that. I need health insurance period, not solely for infertility. I am more then financially able to take care of a baby, me and finance already have a house, cars and everything is paid off with GOOD credit. I just thought it would be easier and not as expensive to pay for insurance then to pay for everything out of pocket, when i need to have health insurance anyway.

Sarah Fields answers:

Private insurance only covers procedures that are medically necessary. So while trying to get pregnant might be a desirable thing it is not a medical necessity so there will be no coverage.

When you get married there is a possibility that your husband’s group plan might offer some level of infertility coverage. In the United States, some states have made it mandatory for employers with more than 50 employees to offer fertility insurance as part of regular health care coverage. These states include:

•New York
•New Jersey
•West Virginia
•Rhode Island

The option for most couples in your situation is financing provided by the infertility treatment provider. Considering that have saved up enough money to be able to pay for private insurance you might qualify for financing.

Good luck.

George asks…

I have no insurance but I want to get pregnant…?

My husband and I have been together for 4 years and we have been TTC for 2 years now. We have no insurance , so I’ve used 2 OPK’s but all of the come out negative or with no results, and my periods have ALWAYS been extremely irregular so I can’t calculate or predict my ovulation. I know we’re gonna need insurance when and if I do get pregnant, here in the state of California you receive free health insurance for you and the baby while your pregnant and until the child is 18 or you get a different insurance carrier. I feel helpless and I don’t know what I should do next… I find myself searching for clomid online but I know that is extremely dangerous with Dr. supervision. And we have looked in to other insurance carriers, but none of them cover fertility treatments. Please help!!! I need to know what my next step should be?
*i know taking clomid without dr. supervision is dangerous (i wrote with above)
Thanks to everyone who answered. Just please note that I never said I couldn’t afford insurance I simply said that they didn’t cover fertility treatments. I know what being a mom is my husband and I have taking full custody of his daughter since she was two (she’s now five). I just needed a revelant answer.

Sarah Fields answers:

I understand what you are saying. Sometimes people are often too critical and assume when they read just little information!

I just recently got insurance because I’m newly married and I made sure when I signed up for my insurance, I checked all the benefits for maternity care and hospitalization, and even baby check-ups and immunizations. My advice to you is to start looking into insurance even before you get pregnant b/c I would suggest you get a regular checkup and find an OBGYN who you can see for pre-pregnancy care. This way you can not only ensure your healthy, but prepare your body for pregnancy. My hubby and I just decided we will ttc by the end of this year, so that’s what I’m doing first b/c I am hopeful by doing this, I will have a successful pregnancy even though sometimes I know God has other plans!

Also, don’t take anything into your own hands. If it’s dangerous to take Clomid without a dr and you know the obvious answer, DON’T DO IT with all sincere niceness when I say that : ) If you get your insurance, the dr can decide whether you should take Clomid and he can make sure it’s effective.

Start keeping track of your periods even if they are irregular. An OBGYN can help you understand when your ovulation window is and maybe you’ll get some luck sooner or later!

Mark asks…

affordable insurance plans??

Hello! I am a 21 year old mother of 2 ( a 13 mo. old and a 26. mo. old) My husband and I do not qualify for medicaid (apparently you have to be dang near homeless) and we need health insurance. He has a heart condition (hes 25! ) and I tend to get sick alot! lol

anyone have any ideas for affordable health insurance?? ( under $100 /mo if possible)

thanks for your time, Be Blessed!
I live in GA and it will just be for me and my husband. Our kids have peachcare

Sarah Fields answers:

Do either of you have a full-time job? If you do, can you get insurance through your company? And this is to the guy that answered first: i am 19 (history of stomach problems/ borderline personality disorder/ and several blood disorders), my husband is 22 with stomach problems, and we have a 5 month old baby [and we live in California], our insurance was Cigna (awesome) and it was only $320/mo and our new insurance is Blue Shield PPO for just my husband and i, and it’s only $200/mo. It’s not NEARLY as bad as he said.
Anyway, if you get it through your company they usually don’t ask about your medical history and stuff. I’ve been with four insurances now and only one asked for my medical history and it was a state-insurance (the kind that you have to be homeless to get… It’s called “fibbing” that’s how you get it.)… Anyway, independent insurances are the ones that ask for history. That was my point. Your best bet is going through your job. Good luck…

Insurance is way too high these days.

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